refinance rate lock today: which one to choose

220k loan 30 years. will still pay pre-paid items and interests etc.

1) 3.75% with $2400 fee

2) 4.5% no cost

which one would you choose?

Will the recession come in the next 2 years and lower the mortgage rate?

 

所有跟帖： 

• Break even calculation. -柠檬椰子汁- ♂ (340 bytes) () 02/13/2020 postreply 11:41:10

• so real question is: will rate go lower in next 2 years? -pop01- ♂ (334 bytes) () 02/13/2020 postreply 11:57:06

• Que Sera, Sera -柠檬椰子汁- ♂ (910 bytes) () 02/13/2020 postreply 12:22:45

• 赞！ -icecreamr- ♀ (177 bytes) () 02/13/2020 postreply 17:20:34