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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.
Times, Sunday Times (2012)Be sure to establish how much they will charge you upfront. The Sun (2012)Always be wary of anything like this asking you to pay money upfront. The Sun (2011)Being upfront about a cash situation improves it and wins respect.