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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.
NO APPRAISAL REFINANCE â CAN YOU QUALIFY? Many customers can qualify for a refinance loan with no appraisal required. This is a great benefit because it saves a consumer more than $350 in out of pocket expense, takes the risk away of getting a bad appraisal, and allows a lender to close your loan very quickly.