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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.
Yes, on FHA mortgages being refinanced into a new FHA mortgage you may be entitled to a refund of the upfront MIP you paid on the FHA loan being paid off if you get your new FHA mortgage within a 3 year period.