i've refinanced.
persuaded by the news
of just a point or two lower.
the thousands spent to lower
the mortgage payment.
bring a blank check to the table,
because no know one ever
knows that exact amount you'll need
to make it a fifteen year loan.
all those documents,
all those hidden fees.
some people rob you with
a gun, while others are
more at ease with
a fountain pen.
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