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- Purchase, Rate & Term, Cash-out.
- Refinances can be structured to have two months without a payment.
- Appraisal may not be required on refinances.
- Available in CO and FL.
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Which option is right for you?
Our advice is to think about how long you anticipate owning your home.
If you plan on owning your home for a long time and never refinance again, then you are better off choosing a lower rate and having the closing costs rolled into the loan.
Conversely, if you think you may sell your home or refinance in the next couple years, you are better off choosing a higher rate that provides credits to cover the closing costs.
This is because, the longer you have your new mortgage, the more you save by paying less interest.
Need help defining your refinance goals?
Check out our DIY Refi Guide.