searchs Welding a Forex c Szh searchs Welding a Forex c Szh I was wondering what kind of rate everyone is getting these days to refinance your house. I am looking at rate for 15 year fix for a conforming loan (under 417K)
Is 3.625 a good rate with no cost involved?
Thanks
现在的rate这么低啊。我家几年前做的4.5%固定，15years，without any fee 当时已经觉得很低了。
So it is time to refinance again now.
我都快付完了，再refinance的话，我岂不是又重头开始？银行是先收利息，最后算本金，很黑呀。
Hotchili, you are really smart, I never figure out how much extra interest I paid through each refinancing. The loan broker just want to get my business but never advice me that I actually paid more interest in long run by refinancing.
可每次broker都说只要利息低，refi之后按原来的payment付，只会更快付完。 难道不是吗？
没错。利息更低了，按原来的付的话，你付的本金更多了，就会更快付完了。可是，你以前付的利息全泡汤了。
以前, 以后, 利息 is always "泡汤了" , whenever you borrow money.
As long as 利息更低, it is good to refinance. "利息更低" = "按原来的payment付, 更快付完" = "good for you."
Pay original payment with lower interest rate will decrease the loan term. You may use the loan calculator to check how many interest you can save and decrease the loan term.
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