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2. Consider a no-closing-cost refinance. One way to get a low-cost refinance is to avoid closing costs altogether. With a no-closing-cost refinance, you don’t incur any upfront fees. That can ...
A no-closing-cost refinance gets rid of the need to pay refinancing fees upfront, but it’s not free. Instead, you’ll finance the closing costs — with interest — as part of your new loan ...
Then, use an online auto refinance calculator to estimate your new monthly payment based on the loan amount, current interest rate, current loan length, and loan balance.
The major variables in a mortgage calculation include loan principal, balance, periodic compound interest rate, number of payments per year, total number of payments and the regular payment amount. More complex calculators can take into account other costs associated with a mortgage, such as local and state taxes, and insurance.
Even though you don’t need a down payment to refinance, you do have to pay for it. Refinancing comes with closing costs. The average refinance closing costs total around $5,000 , according to ...
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