Refinancing -- What You Stand to Gain‏

Low interest rates can create a refinancing frenzy in the marketplace, but consider
the details of your unique situation to determine if a refinance makes sense for you.
Even a small percentage of a rate drop means big savings
based on higher loan amounts
Instead of listening to the "2% rule" about how much of a  percentage change
in interest rates you should look for before you refinance, look at how much money
you'll stand to save. A 1% rate reduction is a lot more meaningful if
you have a $500,000 mortgage rather than one that's $100,000.






Can you refinance into a shorter term? If you have 20 years left on your
mortgage and you refinance into a new 30-year mortgage, you may not save money
over the long run, even with a lower rate. However, if you can afford to refinance that
20-year mortgage into a 15-year mortgage, the combination of a lower interest rate
and a shorter term will substantially reduce the total amount of interest
you'll pay before you own the house free and clear.

What You Stand To Gain
Done properly, a refinance can have both immediate and lasting benefits.

Get a better loan. Refinancing can provide an opportunity to correct a mistake you made
in taking out your existing mortgage or simply make a good mortgage even better. Either
way, you'll increase your short- and long-term financial security and increase the odds
that hard times won't put you at risk of losing your home.

Increase your long-term net worth. With the savings from refinancing your mortgage,
you'll be spending less on interest. That's money you can put away for retirement or use
toward another long-term financial goal. Increase short-term cash flow. If your refinance
lowers your monthly payment, you'll have more money to work with on a month-to-month
basis. This can reduce the day-to-day financial pressure on your household
and create opportunities to invest elsewhere.
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   Read more

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