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about refinance# Living
b*n
1 楼
Two options for no cost refinance:
1) 15yrs 3.25% with half point rebate
2) 15yrs 3.125%
which one is a better option and why?
And normally how much you need to pay to buy down 0.125 rate difference?
avatar
k*o
2 楼
It depends on yourself. If I were you, I perfer 1), especially you will not
hold your mortgage for a long time.

【在 b*******n 的大作中提到】
: Two options for no cost refinance:
: 1) 15yrs 3.25% with half point rebate
: 2) 15yrs 3.125%
: which one is a better option and why?
: And normally how much you need to pay to buy down 0.125 rate difference?
avatar
b*d
3 楼
0.125%差不多就是0.5个point,所以两个option差不多好,如果你会短期之内pay off贷
款,肯定是选option 1.

【在 b*******n 的大作中提到】
: Two options for no cost refinance:
: 1) 15yrs 3.25% with half point rebate
: 2) 15yrs 3.125%
: which one is a better option and why?
: And normally how much you need to pay to buy down 0.125 rate difference?
avatar
b*2
4 楼
如果觉得rate还可以到3%, 就拿3.25% with rebate. 不然就拿3.125%
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