Current Interest Rates On 30 Year Mortgage latest 2023

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Should I Refinance Or Should I Stay in My Current Mortgage?

When it comes to refinancing, everyone wants to do it as long as it saves them money, either on a monthly basis or over the term of the loan. Why not refinance when rates are as low as they’ve ever been. Always make sure it saves you money. When choosing a lender or loan officer, don’t look at the fees and costs almost all the time at closing, they will be very similar.

Make sure the loan officer finds out your needs and gives you logical options with a calculator. If a loan officer can’t show you that the loan will save you money, it probably won’t be beneficial to make the loan. Don’t be afraid to ask questions. Ask questions and make sure you get good answers from the person you are dealing with. Ask about the benefits of the loan and make sure the answer you get is clear and concise.

In my experience, many brokers are new to the business and really don’t know how to communicate with borrowers, so they immediately look to costs and rates to win a deal with clients, instead of working with the customer to actually help provide him with a better financial situation. Always work with the person who shows you the options that will benefit you in the short term, not the long term. Remember that when you deal with a lender they will make money no matter what, so make sure you get the service you are paying for!

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