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2. No-closing-cost refinance: What it is and how it works - AOL

   www.aol.com/finance/no-closing-cost-refinance...

   A no-closing-cost refinance gets rid of the need to pay refinancing fees upfront, but it’s not free. Instead, you’ll finance the closing costs — with interest — as part of your new loan ...

3. No-closing-cost mortgage: How it works and how to decide if ...

   www.aol.com/finance/no-closing-cost-mortgage...

   How much are mortgage closing costs? Closing costs vary by the home’s cost and location, but you can typically expect to pay about 2 to 5 percent of your total loan amount in closing costs. The ...

4. When should you refinance your mortgage? - AOL

   www.aol.com/finance/refinance-mortgage-152541677...

   The after-tax monthly savings (new payment compared to old payment, after any tax-favored treatment) The amount of time that you intend to be in the home The cost of obtaining the new mortgage

5. When should you refinance your mortgage? - AOL

   www.aol.com/finance/when-to-refinance-mortgage...

   It may help to use a mortgage refinance calculator to figure out monthly payments. ... It gets rid of private mortgage insurance. ... without triggering the gift tax. And if you’re married, both ...

6. Home Affordable Refinance Program - Wikipedia

   en.wikipedia.org/wiki/Home_Affordable_Refinance...

   The Home Affordable Refinance Program (HARP) was created by the Federal Housing Finance Agency in March 2009 to allow those with a loan-to-value ratio exceeding 80% to refinance without also paying for mortgage insurance. Originally, only those with an LTV of 105% could qualify.

7. How to lower your mortgage payment

   www.aol.com/finance/lower-mortgage-payment...

   Refinance to lower your payment. Recast your mortgage. Eliminate your mortgage insurance. Modify your loan. Lower your taxes. Shop around for a lower homeowners insurance rate. Apply for mortgage ...