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A true no-cost refinance means you pay no money upfront and neither your loan amount nor your interest rate is increased to build any costs into your new loan. To calculate a break-even point, divide the anticipated total cost of your refinance by the monthly savings on your loan payment.
If you are refinancing: Refinancers will have to pay the annual 0.3 percent fee, plus the current one-time upfront guarantee fee of 1 percent of the total of the mortgage. The upfront fee will stay unchanged for refinances.f you are refinancing: Refinancers will have to pay the annual 0.3 percent fee, plus the current one-time upfront guarantee fee of 1 percent of the total of the mortgage. The upfront fee will stay unchanged for refinances.