回复：Wong. How much you have paid is not evern relevent.

来源: pinerock 于 2012-10-30 15:57:02 [档案] [旧帖] [给我悄悄话] 本文已被阅读：次 (404 bytes)

回答: Wong. How much you have paid is not evern relevent. 由 pinerock 于 2012-10-30 15:30:08

when considering refi, only 4 things matter:

1. The rate difference: (obviously biger is better)

2. How big is the loan: (the bigger the loan, the bigger the impact)

3. Loan cost (not the prepay and reserve):

4. How long you will hold the loan: (If you only plan to hold the house for a year and sell the house, forget the refi)

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