This is no brainer.

來源: 淩長老 於 2012-06-04 13:15:25 [] [博客] [舊帖] [給我悄悄話] 本文已被閱讀： 次 (263 bytes)

You can lower your rate by 2% by refinancing the loan. With the 230K loan amount, your saving in the first year alone will be close to $4500. So even if you can't find no-cost refinancing option, you should pay the $1800 closing cost to get the lower rate.

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