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Mortgage rates are falling-here’s how to tell if you could save money by refinancing – On a $300,000 mortgage, for example, you would expect to pay around $6,000 in fees. From there, it’s helpful to do the math to calculate how long it would take you to earn those fees back. "It’s best.
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How To Refinance With Low Credit Score Things such as your credit score, your debt-to-income (DTI) ratio and the ratio of your mortgage divided by your home’s value (loan-to-value ratio, or LTV) after refinancing affect your eligibility and your interest rate. Even the amount of cash you have in the bank could affect your ability to refinance a loan.