refinance 15 year mortgage no closing costs

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Refinancing with no closing costs is available. You might assume these loans. For example, say you refinance a $200,000 mortgage balance into a 15-year term. You could pay a 4% rate with $4,000 in.

You were convinced that refinancing your mortgage was the right. “Then we refinanced again to a 15-year loan at 3.25% once rates got that low. We did a fee-free refinance that time, so we didn’t.

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 · When interest rates are rising, the conventional wisdom says that refinancing your mortgage is less appealing. But for some homeowners, a 15-year refinance mortgage could be a.

No closing cost options; All our mortgages are serviced locally; No pre-payment. 15 year fixed, 2.875%, 3.031% .442. Was this for purchase or refinance?

A no-closing cost mortgage refinance is when you refinance your mortgage and don’t pay the upfront mortgage refinance fees – often between $2,800 and $4,000 – in exchange for a higher rate or a higher loan balance.

Refinancing a mortgage involves more than getting the lowest rate. This guide walks through the closing costs specific to a mortgage refinance as well as some of the hidden costs of refinancing. Read our article to find out what the average costs are for refinancing a mortgage.

Refinance Calculator – Traditional, Low Cash Out & No Cost Options. The TriRefi calculator allows you to run the numbers for a Traditional Refinance, a Low-Cash-Out Refinance and a No-Cost Refinance so you can determine which is best for you. Fill in the information once and instantly compare the.

The spreading interest rate on 15-year versus. the amount of your closing costs. This is ideal if you can avoid the fees and still reduce your rate. Say you have a 4.375% 30-year fixed rate.

When to choose a no-closing-cost refinance. The no-closing-cost mortgage refinance may be for you. If you plan on staying in a home for just a couple of years, you probably couldn’t recoup in refinance savings the upfront fees you’d pay anyway. And it’s the only option – other than waiting to buy – for those who simply don’t have the savings to cover the upfront closing costs.

 · Get a no-closing-cost mortgage and a low rate, too. 15 Getting a Final Approval. The downside is that you lose home equity when you include closing costs in your refinance.

To refinance a mortgage with no closing costs, first check your home. the FHA rate-and-term refinance requires between 2.25 and 15 percent.