由于利率处于历史低位，为抵押贷款再融资的房主数量达到了历史最高水平。 当然，任何人都不应该因为其他人都在再融资就再融资。 但是，对许多房主来说，这些好处实在是难以再忽视了。

每个月都要存钱。 According to Freddie Mac (The country’s largest purchaser of home mortgages), the average homeowner who refinances is able to cut their monthly payment by $108 (almost $1,300 per year) for a $200,000 loan.

从长远来看，存得更多。 如果你目前有30年的抵押贷款，用15年的版本再融资可以在贷款期间为你节省数千美元的利息，而且可以让你比以往更快地在你的房子里建立资产。

转为固定利率抵押贷款。 用固定利率抵押贷款进行再融资，让你知道你的月供将保持稳定，无论未来几年贷款利率是升是降。

获得应急资金。 Something the mortgage industry calls “cash-out refinancing” allows you to take out a new mortgage for more than your current principal balance and use the additional money for other expenses (remodeling, college, a major medical procedure, etc.). 当然，只有当你真的需要这笔钱，并且有一个可靠的偿还计划时，你才应该考虑这个选择。

巩固债务。 虽然在住房贷款下合并信用卡债务可能不明智（除非你有控制任何额外支出的计划），但以创纪录的低利率再融资合并两笔抵押贷款可以在这两种情况下都节省大量资金。

事先要考虑的事情：

Before moving ahead with a refinance of your own, a number of factors need to be considered (and numbers crunched) before you can determine how much you’ll actually benefit and if you can qualify for the best rates:

关闭成本。 The fees associated with refinancing your mortgage are called “closing costs” and generally add up to somewhere between three and six percent of your loan amount (between $7,500 and $15,000 for a $250,000 mortgage refinancing). While there are ways to lower some of those costs, you’ll still want to weigh those expenses against how much you stand to gain.

For example, let’s say you figure you’ll be able to save $100 per month by refinancing, and you’ve calculated the closing costs at about $10,000. That means you’ll need to continue living in the house for at least eight more years before the savings surpass the closing costs. 在抵押贷款行业，这被称为盈亏平衡点； and the longer you continue living in the house beyond the break-even point, the more money you’ll save.

你的信用评分。 这取决于具体情况，但大多数借款人需要700分或更高的信用评分才能获得最优惠的利率和结算成本。 要确定你的分数，从Experian， Equifax和TransUnion获得你的信用报告副本。 (为什么三者都有？ Because, if there’s any difference, most banks will use the lowest score.)

你目前的房屋净值水平。 To qualify for refinancing, your current level of “equity” (the difference between the market value of your home and the balance of your current mortgage) typically must be 20 percent or more. 这悦博体育，如果你的房子的市场价值是25万美元，你的贷款余额必须是20万美元或更少。

预付款点球。 检查一下你目前的抵押贷款是否包括再融资的提前付款罚款。 这可能会使再融资成本过高，即使利率处于创纪录的低位。

时机的重要性

抵押贷款利率在过去几年中一直处于创纪录的低点，未来几年可能会保持相对较低的水平。 然而，即使是很小的增加也会使你在贷款期间支付的金额发生巨大变化。 从长远来看，尽可能获得最低的利率将有利于你的财务状况。

开始这个过程很容易。 首先检查你的资产和信用评分，然后在网上使用其中一个来计算这些数字 抵押贷款计算器。

如果最初的结果看起来很有希望，让你的Windermere房地产经纪人推荐一个信誉良好的贷款人（或抵押贷款经纪人），他们可以为你提供一个实际的报价。