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When refinancing your home Mike McGlinchey 49ers Jersey , it's helpful to know a few things about refinancing. When you refinance, you usually pay off the old loan and sign for a new loan, whether you are refinancing your 1st mortgage, second mortgage or home equity loan. The expense that comes in to play when refinancing are the new closing costs and points charge for getting a new loan.

How much can you expect in closing costs for a refinance? Usually between 3-6% of the total loan amount. So Matt Breida 49ers Jersey , for a loan amount of $150,000, you can expect to pay around $7 in fees. Usually, a company that will say that have no closing costs George Kittle 49ers Jersey , will also charge a higher interest rate to compensate. The mortgage broker has to make money somehow, they will either charge a higher interest rate or charge higher closing costs. The best way to compare refinance lenders is to analyze all of the expenses.

Should I pay down points on my loan? If you plan to stay in your home for more than 3 years, it may be smart for you to consider paying down points on the loan which reduces your interest rate. That pays off if you plan to stay in your home for a while, but if you plan to sell the home soon Jimmy Garoppolo 49ers Jersey , you may lose more money paying down the points on the loan.

How can I know if I should refinance or not? If you are interested in finding out whether it would save you money in the long run to refinance with the current interest rate, there are financial calculators online that can help you determine if you would save money refinancing your house or not.

To view our list of recommended refinance mortgage companies online or to use a refi- calculator, please visit this page: Recommended Refinance Lenders & Mortgage Calculators Online.

Carrie Reeder is the owner of ABC Loan Guide, an informational website about various types of loans.
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David Michael Letterman born April 12 Jerry Rice 49ers Jersey , 1947 is an American television host and comedian. He hosts the late night television talk show, Late Show with David Letterman broadcast on erman has been a fixture on late night television since the 1982 debut of Late Night with David Letterman on NBC. Only Letterman’s friend and mentor Johnny Carson has had a longer late-night hosting career. Letterman is also a television and film producer. His company Worldwide Pants produces his show as well as its network follow-up The Late Late Show with Craig Ferguson. Worldwide Pants has also produced several prime-time comedies, the most successful of which was Everybody Loves Raymond, currently in syndication.


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