Difference in interest rates
Refinancing your mortgage is a smart move only if you stand to save a sizable amount of money in the long run.
Experts say that the interest rate on your new mortgage should be at least 1% lower than the interest rate on your existing mortgage in order to justify refinancing. For large mortgage loans, however, even a drop of 0.25% can make a big difference in terms of savings in the long term.
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