said by EUS:
Thankfully we can renew every few years, else I wouldn't be @ 2.25% right now, I'd be stuck with my starting rate of 4.59%
You were probably lucky, most banks want interest differential payments now. the money they'd "lose" by allowing you to renew at a lower rate.
This 3 months interest business is pretty much gone.--
No, I didn't. Honest... I ran out of gas. I... I had a flat tire. I didn't have enough money for cab fare. My tux didn't come back from the cleaners. An old friend came in from out of town. Someone stole my car. There was an earthquake.......