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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.
Buying your condo is only the first step. Most condos charge a monthly fee for building maintenance and upkeep. These fees, in combination with property taxes and mortgages, can add up to a serious expense for condo owners.Before you buy, make sure your condo fees are fair and that they cover what you think they do.our condo fee will be based on the size of the unit and will be calculated each year. Condo fees also vary based on services offered -- some buildings will provide security, gyms, or parking. These amenities are funded by your fees.