要看你是不是从standard deduction变到itemized deduction。

standard deduction是25900，state/local tax deduction limit is 10,000.  So you have 15900 for home mortgage interest.

 if your annual mortgage interest was more than 15900 before refi, and after refi your mortgage interest became less than 15900, then "自住房refi 后是不是在报税时一点好处都没有!"

or you stayed as standard deduction (interest less than 15900), 税务上也没有什么好处。

但是起码你省了贷款利息啊。

如果refi以后你的mortgage interest比15900多了，那么你可以找一些itemize deduction里面的省税办法，比如捐衣服给goodwill什么的，都可以减了。