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Refinancing has a cost most people don't think about 💸 The price you'll pay depends on: ✔️ Your credit score ✔️ Your home equity ✔️ Where you live ✔️ The lender you choose Your break-even point tells you everything. Total cost divided by monthly savings = the number of months until the refinance pays for itself. Plan to stay longer than that? It makes sense. Moving before then? It probably doesn't. No closing cost options exist, but they usually come with a higher rate or a larger loan balance.
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