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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.
Freedom Mortgage is proud to claim that they will offer the lowest refinance rates possible on your existing loan. However, there are many things to consider when you apply for a refinance mortgage. Origination costs, home inspections or appraisals and other fees sometimes drive up the costs of refinancing.