The Rates of refinancing & the costs have decreased greatly in the past several years in California and are at the lowest they have ever been in years. Borrowers can save thousands of dollars on up front fees & now closing costs can usually be included in the new mortgage loan amount so that no closing costs or an extremely low amount is required to execute a refinance. The mortgage refinancing cost is at the lowest it has ever been! Take advantage of a great opportunity & refinance if you can to a great low rate in California today.
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Paying Points for a lower interest rate is an excellent idea if you are staying in the property more than 4 years.
Deciding whether to refinance usually involves totaling the costs of refinancing and subtracting those expenses from the total savings expected. It is also important to determine how many months it will take to pay back the costs of refinancing from the savings that will accrue.
The savings that can be obtained from refinancing depend directly on the answers to the above questions. It is best to answer these questions with the help of a qualified California mortgage professional.
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