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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.
I personally would work with a local lender especially for a purchase. Most of the time a refinance is a pretty straight forward transaction. The perception that rates vary so much from lender to lender is misguided (IMO).If you see a big difference in rates you will see a big difference in closing costs. personally would work with a local lender especially for a purchase. Most of the time a refinance is a pretty straight forward transaction. The perception that rates vary so much from lender to lender is misguided (IMO).