Like the video shows, if interest rates drop significantly you may want to investigate refinancing.
According to the US Dept of Housing & Urban Development, most experts agree that if you plan to be in your house for at least 18 months and you can get a rate 2% less than your current one refinancing is smart.
Refinancing may, however, involve paying many of the same fees paid at the original closing plus loan origination and application fees.
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