Rockfest

There is such a thing as an origination fee, and as far as I know, many companies charge up to 1% with a NJ refi. This is deducted from the interest rate savings I was aiming for in the beginning. Because of this, some people stick to a 3% rule of thumb. I personally think that’s a bit conservative. It’s also important to remember that market prices change, and there may not be too much happening with my appraisal, therefore, I can’t use the NJ refi option. There is some thinking and planning involved here. So, once you’ve really gotten all of this under control, it can be much easier.

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