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I heard that I should only refinance if I drop 1% on my mortgage, is that true?

I heard that I should only refinance if I drop 1% on my mortgage, is that true?

There is no such thing as a one size fits all scenario when it comes to refinancing a home loan. Some say .5%, some say 1%, and some say never. Every home loan and every families’ needs are different so it is best to work with your loan officer to review your current financial situation and financial goals for a thorough analysis of home loan opportunities to make an educated decision for yourself.