Phenomenal credit score? They’ll offer, but do your best to resist a “no-cost” refinance. Lenders often represent a loan with no out-of-pocket expenses as a “no-cost” loan. There are closing costs with every home loan. The banks don’t work for free.
“No-cost” often means that you are financing the closing cost over the life of the loan. The fees for a 30 year loan could sting a bit at closing. But in the long-run, the fees could cost about double if they’re financed.
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