What is your purpose to restructure your mortgage?

Refinancing a mortgage usually lengthens the term of a loan, which indeed costs you lots of $$$.

 

所有跟帖： 

• 我也是怕这个。但根据Agent说的，我没什么可损失的，每月月供少了，还款额还是一样。 -毛人- ♂ (0 bytes) () 02/17/2019 postreply 11:25:05

• How many years have you been into the current mortgage? -autumnjune- ♀ (74 bytes) () 02/17/2019 postreply 11:29:26

• 还不到半年。之前是7年的ARM，但去年利率涨得厉害，我老婆怕了，赶快做了个30年的。 -毛人- ♂ (200 bytes) () 02/17/2019 postreply 11:33:56

• I would suggest you wait for the rates to come down further. -autumnjune- ♀ (200 bytes) () 02/17/2019 postreply 11:37:40

• Got it. Thank you so much! -毛人- ♂ (0 bytes) () 02/17/2019 postreply 11:41:46

• 利息大多集中于前七年 -越王剑- ♂ (110 bytes) () 02/17/2019 postreply 11:31:37

• 越王兄，如果毛人兄能把省下的钱付本金，他就省了利息，周期也缩短了。 -hhtt- ♂ (0 bytes) () 02/17/2019 postreply 11:40:35

• 秋六美美，问得好！Refi可以把钱省出来做其他投资，房贷利率要比HELOC低！ -hhtt- ♂ (0 bytes) () 02/17/2019 postreply 11:30:27