do you have to pay to refinance a mortgage

when refinancing in NY do you have to pay the mortgage tax. – when refinancing in NY do you have to pay the mortgage tax?. i was told by almost all the lenders i spoke to that when refinancing in n.y. you do not have to pay the mortgage tax as long as you only refinance the balance of the previous mortgage and take nothing else out. does anyone know.

Yes, you should pay off your mortgage before retiring. –  · As part of our pre-retirement planning, my husband and I have decided to pay off our mortgage before we retire. We’ve been making extra principal payments every month. We.

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When Refinancing Your Mortgage Is Not a Good Idea – Millions of homeowners have. up having to pay more in interest than if you’d just stuck with your original mortgage loan. 3. You don’t want to add more years to your payoff period Finally, one.

Refinance your mortgage quickly and conveniently with U.S. Bank. Learn about Streamline Refinance, our exclusive mortgage refinance program for existing customers. You may be qualified for a government-backed VA or FHA Streamline Refinance.

You Still Need A High Credit Score To Refinance – Times aren’t great in the mortgage refinancing market. With a lower credit score, you may have trouble qualifying for a mortgage and will pay higher interest rates if you do qualify. Would you be.

A no cost refinance is a loan transaction in which the lender or broker pays all. Assuming you have the cash on hand to pay closing costs, do you want to hold.

Do You Have Enough Home Equity to Refinance? – Discover – Most lenders will waive the mortgage insurance requirement if your LTV is less than 80 percent and you have a good history of paying your bills on time.

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The cost to refinance a mortgage can vary according to the interest rate, both the lender and the owner policy of title insurance, as well as the escrow fee itself.

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Homeowners who snagged a low-interest rate mortgage in recent years have. share of refinancing has expanded most in recent years. Sacrificing a lower interest rate for a higher one to get cash is a.

Private Mortgage Insurance (PMI) If you are already paying PMI under your current loan, this will not make a big difference to you. But some homeowners whose homes have decreased in value since the purchase date may discover that if they refinance they will need to start paying PMI for the first time.