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The closing costs of a home refinance generally include credit fees, appraisal fees, points (which is an optional expense to lower the interest rate over. “The simple calculation for your break-even point is calculating the fees and the closing costs and dividing those by the savings,” says Jared Maxwell. 3 Switch to a fixed rate · Predictability, stability and potential cost savings. · If rates drop, you won't be able to take advantage of that without another.
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