[cookcounty]

Wow. 15 months ago I refinanced and asked about a 10-year, but all the banks acted like I was speaking Khirghizian, basically told me there wasn't such a thing.. Maybe I should try again, but the process of re-fi is such a pain, and then they sell your mortgage---I had 4 banks in the first 7 months, which has finally stabilized (for now!).

[E. Pluribus Unum]

...but the process of re-fi is such a pain, and then they sell your mortgage...

Countrywide's rates are as low as anybodies, and they don't sell the paper. They make it very easy to make accelerated payments, also.