{ "media_type": "text", "post_content": "Are out of pocket costs worth during refinancing and paying for points?", "post_id": "61001391bcf7cf002487d129", "reply_count": 2, "vote_count": 1, "bowl_id": "5a5242b78e26290018502ca0", "bowl_name": "The Real Estate Bowl" }

Are out of pocket costs worth during refinancing and paying for points?

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It really depends on how long are you going to stay at the house. I have a simple calculation, lets say you will save $100 on monthly payment and out of pocket costs are $5,000. Just to break even in this situation, a person has to stay in this house for 50 months. I have refinanced also in 2020 but went with zero closing costs due to uncertainty about how long I will stay at my current house.

Depends but you can also roll those into loam on refinance. Let me know if you want another quote as I can offer competitive rates.

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