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zalsont · Joined: 23 Nov 2009 Posts: 1 1.35 Dollars($)

refinance 109k house, with balance 80k in syracuse zip13219 county onondaga ny state. I'm looking for low rate with no points and low
closing cost.thanks leo

eric1 · Posted: Mon Nov 23, 2009 12:04 pm Post subject:

That will all depend upon a few things including your credit score. You could probably get in the 4.5% range with no points. One small negative factor is your low loan balance.

riseabove · Joined: 09 Nov 2009 Posts: 277 11.01 Dollars($)

Income and credit score are pretty important factors. From what you said though you can probably get a pretty good deal.

if you want fast quotes, try soem of the online lenders. Quick and easy quotes so you get a good ballpark and can see what you're dealing with with no fuss.

jveenstra · Posted: Wed Nov 25, 2009 1:05 pm Post subject: Refinance

Avoid the hassle of refinancing.

If you have an $80,000 balance at 5.75% and you want to pay off in ten years, pay monthly $878.15 monthly. Whatever that is above your normal, regular payment, pay the extra monthly.

"If" you could refinance at 4.50%, and costs were minimal, your monthly payment would be about $860 monthly. IF you just pay $20 more a month than that, you are done in ten years.

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refinance from 15y 5.75 fix to 10y fix