 which can significantly reduce your monthly payment and decrease your total cost. Contact WhyRefi at 844-2-RAMSI or go to WhyRefi.com slash Ramsey. That's 844-2-RAMSI or the letter Y, then R-E-F-Y dot com slash Ramsey. WhyRefi is not licensed by the California Department of Financial Protection and Innovation. WhyRefi is not authorized by the New York State Department of Financial Services to service any New York loans. Funding may not be available in all states.