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I'm a first time homebuyer, closed in July at 6.524%, 30 year, $99,500. I'm hearing of people getting 4.8% rates. Should I even consider it?
@Anonymous wrote:I'm a first time homebuyer, closed in July at 6.524%, 30 year, $99,500. I'm hearing of people getting 4.8% rates. Should I even consider it?
It would depend on how long you expect to live in the house, how much your closing costs will be and how much your gonna save by doing so. Example if your closing costs are gonna be say $8,000 and your new rate will save you 100.00 a month but you dont expect to live in this house for more then 3-4 years than no it wouldn't make sense to refinance