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Money and Finances
Reply to "Does it make sense for me to refinance?"
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[quote=Anonymous][quote=Anonymous]you will pay those fees etc and closing costs over time, don't fall for the gimmick I wouldn't I would just apply more coin to the principle. each month[/quote] I don't understand what you mean. If the interest rate decreases and the principal amount stay the same (i.e. no fees are being rolled back into the loan) and I am not paying any closing costs due to the lender credit how am I paying these costs over time? Obviously, if I were not to get the lender credit I could conceivably get a lower rate but the proper comparison is the interest rate I'm paying now to what I could have if I refi right?[/quote]
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