How Do I Know If I Should Refinance?

The question we have been asked most often since beginning to write mortgages has been, How Do I Know When It's Time to Refinance? The old, conventional wisdom said that it should be done when rates go down 2% lower than your current mortgage, but this rule of thumb is too simplistic. The higher your loan balance, the less of a percentage difference in rate is needed to make the closing costs worthwhile.

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