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Are you paying mortgage insurance? If so, then it would make sense to at least talk to your lender and looking at your options or at least factoring in the elimination of those payments in your calculations.
@Anonymous wrote:
Hi,
So we got our mortgage about 7 months ago and since then our home value has shot up about 20%.
We signed a loan for 125k with 10% down and at 3.5%.
But checking today the company our mortgage is through now has rates at 3.35% just wondering if it would be smart to refinance, if so how would we do so through the same company we are currently with for the lower interest rate?
I think that it is worth exploring getting rid of the PMI. I agree the previous advice that it isn't worth refinancing over $15 a month, but reducing your payments by over $100 a month, which reduces your monthly mortgage payments by 15%, is worthwhile.
@Anonymous wrote:
I know that's how it goes with refi with other companies, but even with the same mortgage company?
Yes.. That's how it goes even with the same mortgage company