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I currently have a FHA mortgage of $65000 in Michigan. My current interest rate is 5.5, I have had this mortgage for approx 2 years. Now that interest rates are lower. I am wondering if it would make any sense cost wise to do a streamline refi? Thank you in advance.
with that loan amount it would likely take a lot of time to recoup costs.
have a loan officer run a scenario for you calculating the breakeven point when you will recoup costs.
another consideration, is that monthly pmi is more now. so i would bet that this would be a bad deal for you
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Thank You! I will stay where I am . I feel like I still have a good deal at 5.5% I will stay put!