https://web.archive.org/all/20060325183350/http:/www.californiamortgagerate.com/mortgage_strategy/advice/refinancing.htm
CMR - Get a Low Refinance Rate: Mortgage, 2nd Mortgage, Home Equity or Refinance Strategy
CMR home loan help offers advice and an explanation of how ARM loans relate vs. fixed-rate conventional...
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https://www.msci.com/research-and-insights/paper/msci-agency-fixed-rate-refinance-prepayment-model
MSCI Agency Fixed Rate Refinance Prepayment Model | MSCI
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