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Refinance Break-Even Calculator Overview. So when is it worthwhile to refinance your mortgage?? The usual rule of thumb these days is that you should be able to reduce your mortgage rate by at least 1 percentage point when refinancing, but that’s a fairly conservative figure.
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What to Consider Before You Refinance – The method I prefer is to compare all costs of your current mortgage. If the total costs are lower with the new mortgage, you should refinance. This approach is used in a mortgage calculator. It.
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