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MississippiSam | Should I refinance, or pay extra on my current monthly statements? |
I am currently in a fixed 5.375% mortgage with 13 years, 2 months remaining. My home is worth $145k and I owe $77k on it. With rates currently around 4.25%, I am tempted to refinance for 10 years. My current Principle and interest payment is $718. My payment would go up about $75/month after such a refinance. Would I be better off to just pay an extra $75 a month on my current loan and apply the money that I would have to spend on the closing costs toward the principle of my current mortgage? |
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doreen k
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Your closing costs will probably be somewhere between $2,500 and $3,000. The difference in interest rate = only $870 savings in the first year (approximately). After that, you'll have additional savings from the more rapid repayment of principal, but the impact of the interest rate differential will be less because the principal balance will be less. And, you're stuck making a higher payment every month. During the holidays or whenever your expenses tend to peak, it's sometimes convenient to have a little extra flexibility. In any case, I don't think you're going to save money by refinancing.
I recommend you make an extra payment from time to time on your existing mortgage. You'll save money because the principal balance will be reduced more quickly and you won't have all the costs of refinancing. |
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