# Why Should I Refinance And When Does it Pay to Do So?

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1 Why Should I Refinance And When Does it Pay to Do So? William Francis Galvin The Massachusetts Secretary of the Commonwealth updated 06/11/13

2 William Francis Galvin Secretary of the Commonwealth Citizen Information Service One Ashburton Place, Room 1611 Boston, MA Telephone: (617) Toll-free: (in Mass. only) TTY: (617) Website:

5 Mortgage Refinancing Worksheet Use this worksheet as a guide to help you estimate a refinanced mortgage payment amount (Step 1) and to help you determine if it s worth your while to refinance your existing mortgage (Step 2). Step 1 Calculate your new, refinanced mortgage: \$ 1,000 = x (next line) loan amount number of increments = \$ \$ value of rate of 15/30 year term (use an amount from the 15 or 30 yr. column using the chart below) RATE TERM % 15yr 30yr / / / / / / / / / / / / amount of new, refinanced mortgage (place this amount in Box B on the next page) RATE TERM % 15yr 30yr 51/ / / / / / / / / / / / / / continued on next page Why Should I Refinance? 3

6 Step 2 Calculate whether it makes sense to refinance: \$ \$ = \$ \$ = months Box A: Enter the monthly amount of your current mortgage. Box B: Enter the monthly amount of your new, refinanced mortgage by completing Step 1 on the prior page or by getting this information from a mortgage lender.* Box C: Subtract the amount in Box B from Box A. The result will be your monthly savings if you decide to refinance. Box D: Enter the total costs to refinance your mortgage (appraisal, loan, title search fees, etc.). Get this information from a mortgage lender also. Box E: Divide the total cost to refinance (Box D) by the monthly savings (Box C). Enter the resulting amount (Box E), which is the number of months it will take you to recoup the costs of refinancing. If you plan to live in your home longer than the amount in Box E, refinancing makes economic sense! 4 Why Should I Refinance?

8 William Francis Galvin Secretary of the Commonwealth Citizen Information Service One Ashburton Place, Room 1611 Boston, MA 02108

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Why Should I Refinance And When Does it Pay to Do So? William Francis Galvin The Massachusetts Secretary of the Commonwealth updated 3/6/15 William Francis Galvin Secretary of the Commonwealth Registry

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