Each and every refinancing will incur a few thousand dollars (i.e. title insurance, escrow fee, lender related charges, credit report fee, etc). If our promise as mortgage broker to you is No Point No Fee refinancing, it should be 100% covered, thus mortgage rate is invariably higher than the case if you pay the closing cost yourself. Generally No Point No Fee refinancing is preferred option because you could always refinance in 4 month if the mortgage rate drops again, whereas you start to enjoy the joyfulness of saving money if the market rate shoots up. Thus you are hedged in some perspective.
【在 y**i 的大作中提到】 : no cost refinancing利率比正常高0.125%吗? 多谢