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PawUp, Pull out your settlement statement. (Less than 60 days ago!), You have not even mad two payments!!!! Nothing wrong with refinancing if it makes sense. You need to roll your cost into the new loan as an expense to calculate your cost of funds. No two clients are alike. Loan size and how long you plan to keep the loan has a huge impact on the APR.
Freddie and Fannie have shortenend to 3 to 5 years as an average life of a mortgage. Paying 2,500 two months ago and another 2,500 (?) again should be input into the "Does it make sense?" Are you ready to pay another 3,000 when rates are at 4%?Rate alone is irrelevant. Personal APR or cost of funds is what matters. Tax rate, Loan amount, term etc.
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For Sale: $448,350
For Sale: $599,000
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