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A true no-cost refinance means you pay no money upfront and neither your loan amount nor your interest rate is increased to build any costs into your new loan. To calculate a break-even point, divide the anticipated total cost of your refinance by the monthly savings on your loan payment.
A redecoration fee is not normal. Typically a $50 fee for background checks and a small amount to 'hold' the apartment that will be applied to your first month's rent is all that is necessary. I would ask that you offer to do all your own decoration and the fee be waived. Ring0Rosie Â· 5 years ago.