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So, I went with NFCU 100% Financing Homebuyers mortgage option. The APR is 5.2%, yet no money down AND no PMI.
The cost of the home is only 128K
I did the math, even if I refinance 2-3 years down the road, I still come out on top...What is the criteria to refinance, is this feasible?
Criteria is similar to purchasing a home, but instead of a down payment requirement there is an equity requirement. Usually you'll need at least 5% equity (unless you find a special program like NFCU's 100% financing again). You'll need to know the full terms of the refinance to determine if you'll come out on top though. It may or may not make sense, it will all depend on the refinance terms.