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My contract rate for a 72 month loan is a fixed rate of 2.69%. Then, today, I received a letter from the lender informing me that they dropped my interest rate to 2.44%.
"We are pleased to inform you that we are reducing your contracted interest rate to 2.44% effective from the date of the contract. Your new monthly payment schedule will be 71 months at $1611.20 starting on 2/14/2015 and 1 month at $1611.20 on 01/14/2021."
