When should I refinance?

Generally when the new rate is at least 0.5–1% lower and you plan to stay long enough to recoup closing costs.

What are closing costs?

Fees for the new loan — typically 2-5% of the loan amount.

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When should I refinance?: Generally when the new rate is at least 0.5–1% lower and you plan to stay long enough to recoup closing costs.
What are closing costs?: Fees for the new loan — typically 2-5% of the loan amount.