http://www.lowpaymentnow.com/no-cost-mortgage-refinance/
Should I refinance my Mortgage at 4.75% for 15 years and pay $4000 in closing fees or go w/ a 1yr arm at 3.3%?
My 5 yr adjustable is up March 09 and the 1 yr ARM resets Dec 20 which is going to be around 3.3%. There are no fees incurred if I rollover to a one year ARM compared to $4000 in closing costs if I were to refinance to a 15 year note. The max the 1 yr ARM can go to next year is 2 points higher. Does the Mortgage Rates appear to be heading much higher over the next year? I don’t think so but was wondering what everyone else is thinking.
Lock into a fixed rate.
All going back into an ARM will do is put you in the same spot you’re in now…just a few years down the road when you will not be able to get 4.75 fixed.
FHA Streamline – Lower Rate – No Fees – No Appraisals?
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