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Reply to "When to refi 6.875 mortgage APR"
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[quote=Anonymous]Use a refi calculator and figure out when the break even is given the closing costs you'll incur. It generally works out that it is worth doing a refi when the delta between your existing rate and the new rate is 1% or greater. We're entering a cutting cycle today, so it might be worth dragging your feet a little bit on it. Rates will continue to drop at least for the next 12 months. Also consider that it takes a couple months to refi, and a lot of companies let you do 1 rate adjustment while you are going through the process. Maybe start in the spring [/quote]
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