该选哪一个？

30万的贷款额，15-year ,5.25 no closing cost no fee, 4.875 $2600 closing cost, 该选哪一个呢?估计三四年内不会搬家, but you never know. thanks for the reply.

所有跟帖： 

• I choose 5.25%, but they are close. -屋漏痕- ♂ (0 bytes) () 12/10/2008 postreply 09:34:23

• 5.25% for sure -Wisdom101- ♂ (177 bytes) () 12/10/2008 postreply 10:21:02

• Detailed calculation insdie, it depends on rate and years of sta -DeanNg- ♂ (785 bytes) () 12/10/2008 postreply 10:24:41

• What if LZ re-fi in next a few years? -大丫- ♀ (0 bytes) () 12/10/2008 postreply 10:31:37

• the same as terminating the current loan. -DeanNg- ♂ (74 bytes) () 12/10/2008 postreply 10:34:21

• plug these 2 factors into consideration. -美西游子- ♀ (417 bytes) () 12/10/2008 postreply 13:19:33

• 与其说买房，不如说买 loan. Don't be misled. -美西游子- ♀ (171 bytes) () 12/10/2008 postreply 14:02:39

• 谢谢各位，就选5.25 -DuedayDEC23- ♀ (0 bytes) () 12/10/2008 postreply 14:00:51