A Funny Refinancing Letter

My mortgage lender sent me a funny letter today: They said they could save me up to $90,000 in interest costs with a refinanced loan.

All I had to do was pay about $7,000 to get the deal, which switches my 30-year fixed to 15-year fixed at pretty much the same interest rate.

Of course, I could just decide to pay off my mortgage early in 15 years: Not only would that save me $90,000 in interest, but I would've saved $7,000 for not refinancing. But hey, in these economic times, you can't blame them for trying!