Sunday, February 3, 2013

Refinance or pay down a mortgage - Zillow Mortgage Advice

January 31, 2013 at 7:39 pm My original mortgage is 30 yr fixed at 5.5% the remaining balance is 122,000 w 19 years remaining. I???m trying to refinance for 3.37% on a 15 year. Current payment is $864 a mo not including escrow. With all the closing costs rolled in the mo payment will be $915 a month and the new balance will be 129,000. Because I need an extension they added another $2000 to the closing costs. My goal was to save money long term and shorten the length of the loan. But with closing costs almost reaching $9,000 I???m beginning to wonder if it would be better to just add an extra payment a year. Does this refinance seem worth it? How much money am I saving with the refinance as opposed to keeping original loan and adding an extra payment a year or more?

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23 hours ago - New York

Source: http://www.zillow.com/advice-thread/Refinance-or-pay-down-a-mortgage/476959/

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