{"id":24064,"date":"2026-04-20T16:54:12","date_gmt":"2026-04-20T16:54:12","guid":{"rendered":"https:\/\/budgetadirect.com\/?p=24064"},"modified":"2026-04-20T16:54:14","modified_gmt":"2026-04-20T16:54:14","slug":"how-to-refinance-your-mortgage","status":"publish","type":"post","link":"https:\/\/budgetadirect.com\/?p=24064","title":{"rendered":"How to Refinance Your Mortgage"},"content":{"rendered":"<div>\n<p>We\u2019ve got good news, folks: After a few years of mortgage interest rates constantly climbing and reaching highs we hadn\u2019t seen in decades, rates have\u00a0<em>finally\u00a0<\/em>started coming back down! Yeah, that\u2019s\u00a0<em>definitely\u00a0<\/em>a reason to celebrate.\n    <\/p>\n<div class=\"BlogInsert-copy\">\n<p style=\"margin-left:0in; margin-right:0in\">Find a Mortgage Lender You Can Trust!<\/p>\n<\/p><\/div>\n<p>It\u2019s also a reason to talk about something that could wind up saving you a whole lot of money: mortgage refinancing. If you bought a house in the last couple of years, you may be able to refinance your mortgage and lock in a lower interest rate\u2014potentially saving you thousands of dollars each year.\n    <\/p>\n<p>But before you pull the trigger on a refinance, you\u2019ll want to think about a few important questions, like \u201cWhat is mortgage refinancing?\u201d and \u201cWhen should you refinance your mortgage?\u201d So, let\u2019s go over how to refinance your mortgage.\n    <\/p>\n<h2>What Is Mortgage Refinancing?<\/h2>\n<p>Mortgage refinancing is replacing your existing mortgage with a new mortgage, usually to get a better interest rate. It\u2019s not a second mortgage\u2014so you still have only one loan and one monthly payment. You\u2019re just\u00a0<em>re<\/em>financing it. Easy enough, right?\n    <\/p>\n<h2>When Should You Refinance Your Mortgage?<\/h2>\n<p>It\u2019s a good idea to refinance your mortgage if it\u2019ll give you a lower interest rate\u00a0<em>and\u00a0<\/em>save you more money than it costs you.\n    <\/p>\n<p>How do you figure out whether that\u2019ll be the case? Well, it does take a little bit of math, but we promise it\u2019s not too complicated\u2014no need to reach for that $100 graphing calculator from high-school precalculus. There are three questions you\u2019ll need to answer:\n    <\/p>\n<ul>\n<li><strong>How much will your interest rate go down?<\/strong>\u00a0This is easy math! If a refinance would take you from a 7% interest rate to a 6% interest rate, the difference is . . . 1%!<\/li>\n<\/ul>\n<ul>\n<li><strong>How much will you save per year by refinancing?\u00a0<\/strong>Multiply the difference between your old and new interest rates by the total balance of your loan. Here\u2019s what that would look like if your loan balance was $250,000 and your interest rate was dropping by 1%:<\/li>\n<\/ul>\n<p style=\"text-align: center;\"><strong>$250,000 \u00d7 0.01 = $2,500 saved per year<\/strong>\n    <\/p>\n<ul>\n<li><strong>What will you pay in closing costs?<\/strong>\u00a0Since closing costs typically run about 2\u20136% of the total amount you\u2019re borrowing, multiply the balance of your current mortgage by 0.04 to get a good estimate of what you\u2019ll pay. Here\u2019s an example, again based on a mortgage balance of $250,000:<\/li>\n<\/ul>\n<p style=\"text-align: center;\"><strong>$250,000 \u00d7 0.04 = $10,000 in closing costs<\/strong>\n    <\/p>\n<p>In these examples, you\u2019d be paying $10,000 in closing costs to lower your mortgage payments by $2,500 a year. That means you\u2019d break even and start actually\u00a0<em>saving<\/em>\u00a0money on your mortgage after four years.\n    <\/p>\n<p>Before moving forward with a mortgage refinance, run these numbers for yourself. There\u2019s no hard and fast rule for \u201chow long is too long\u201d to break even, as long as you\u2019re planning to stay in your house long enough to actually save some money. But if it\u2019s going to take an eternity to get to that point, a refinance probably won\u2019t be worth it.\n    <\/p>\n<p>Try out our\u00a0Mortgage Calculator\u00a0to see how much your mortgage payment will change at different interest rates.\n    <\/p>\n<p><img decoding=\"async\" loading=\"lazy\" alt=\"get the right mortgage from a trusted lender\" src=\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2026\/04\/mortgage-visual-cta-banner-v1.png\"\/>\n    <\/p>\n<p>\u00a0\n    <\/p>\n<\/p><\/div>\n<div>\n<h2>How to Refinance Your Mortgage<\/h2>\n<p>Here are the six steps you\u2019ll need to follow if you want to refinance your mortgage.\n    <\/p>\n<h3>1. Crunch the numbers.<\/h3>\n<p>Before you start getting in touch with lenders and get too deep into the process of refinancing your mortgage, you\u2019ll want to make sure it\u2019s actually the right move for your money. Like we talked about earlier, that means making sure a mortgage refinance will give you a lower interest rate\u00a0<em>and\u00a0<\/em>save you more money than it costs you.\n    <\/p>\n<p>So, sit down and do the math. How much will your interest rate go down? How much will you save per year by refinancing? And what will you pay in closing costs? Answering those questions will make sure you don\u2019t wind up paying more to refinance your mortgage than you actually save.\n    <\/p>\n<h3>2. Shop around for the best interest rate.<\/h3>\n<p>When you\u2019re refinancing a mortgage, you don\u2019t want to put all your eggs in one basket\u2014or in this case, with one lender. By shopping around with multiple lenders, you could wind up with a lower interest rate than you would otherwise. Our RamseyTrusted<sup>\u00ae<\/sup> friends at\u00a0Churchill Mortgage\u00a0are a great place to start as you shop for the best rate.\n    <\/p>\n<h3>3. Choose your lender.<\/h3>\n<p>Now it\u2019s time to take a close look at the lenders you talked to in the last step and decide which one you\u2019re going to use. Look for one that can give you the best bang for your buck when it comes to interest rate. And make sure to ask lenders how much they charge for closing costs, because they can vary a lot. Some lenders might discount their closing costs just to get your business.\n    <\/p>\n<p>You\u2019ll also want to make sure you\u2019re not signing up for any pointless fees or prepayment penalties.\n    <\/p>\n<h3>4. Lock in your interest rate.<\/h3>\n<p>Once you\u2019ve found your lender and a great rate, lock that puppy in! Locking in your interest rate may cost a small fee, but it\u2019s worth it to make sure you don\u2019t lose a great rate.\n    <\/p>\n<h3>5. Go through the underwriting process.<\/h3>\n<p>Underwriting is a fancy word that describes the process of your mortgage lender making sure you have the means to pay your loan back. They do this by digging through pretty much every aspect of your personal finances\u2014think bank accounts, pay stubs and your credit history.\n    <\/p>\n<p>We won\u2019t pull any punches, here: The underwriting process can be a great big pain in the neck, and it can take a while. But hey, if a refinance is going to save you a ton of money, it\u2019ll all be worth it in the end!\n    <\/p>\n<h3>6. Close on the new mortgage.<\/h3>\n<p>Boom! All that\u2019s left to do is sign all your closing documents and pay your closing costs. Closing on a new mortgage usually takes from one to two months.\n    <\/p>\n<\/p><\/div>\n<div>\n<h4 class=\"u-typesetHeadingMedium u-spacingStack1\">Want More Expert Real Estate Advice?<\/h4>\n<p class=\"u-typesetBodyMediumShort u-spacingStack3\">Sign up for our newsletter! It\u2019s packed with practical tips to help you tackle the housing market and buy or sell your home with confidence\u2014delivered straight to your inbox twice a month!\n    <\/p>\n<\/p><\/div>\n<div>\n<h2>Common Reasons to Refinance a Mortgage<\/h2>\n<p>People refinance their mortgage for all sorts of reasons! Here are four of the most common.\n    <\/p>\n<h3>Lock in a lower interest rate.<\/h3>\n<p>This is the most common reason people refinance their mortgage, and it\u2019s often a great idea. Again, though, you\u2019ll want to crunch the numbers beforehand to make sure that refinancing will actually save you more money in the long run than it costs you. That won\u2019t always be the case, even if you get a lower interest rate.\n    <\/p>\n<h3>Reduce your loan term and become debt-free faster.<\/h3>\n<p>Some people with 30-year loans refinance to a 15-year fixed-rate mortgage so they can pay off their home faster. This\u00a0<em>can\u00a0<\/em>be a good idea, but only if you get a lower interest rate with the 15-year mortgage. Otherwise, you can simply add to your monthly payments on your own and\u00a0pay off your house early\u00a0without needing a new mortgage.\n    <\/p>\n<h3>Get rid of private mortgage insurance.<\/h3>\n<p>If your\u00a0down payment\u00a0was less than 20% of your home price when you bought your home, then you were probably required to pay for\u00a0private mortgage insurance (PMI). Well, here\u2019s the deal with PMI: It\u2019s expensive and will slow you down from paying off your principal. So, some people refinance their mortgage to get rid of PMI\u2014especially if the value of their home has appreciated a lot since getting the mortgage.\n    <\/p>\n<p>Getting rid of PMI is a great goal, but there\u2019s actually a much easier way to do it: Paying extra on your mortgage until the balance of your loan is less than 80% of your home\u2019s value. Then, contact your lender and ask them to remove PMI from your payments. You may have to pay for an appraisal, but you\u2019d have to do that anyway if you refinanced.\n    <\/p>\n<h3>Switch the loan type.<\/h3>\n<p>Finally, some folks refinance to get out of a lousy type of mortgage they never should\u2019ve used in the first place\u2014like an\u00a0adjustable-rate mortgage\u00a0(ARM). Lots of people who use ARMs have a rude awakening a few years in when the dreamy low interest rate they got in year one turns into a nightmarishly high rate. That kind of unpredictability is a recipe for disaster.\n    <\/p>\n<p>Luckily, you can refinance your way out of your ARM and into a fixed-rate mortgage. If you currently have an ARM, our friends at\u00a0Churchill Mortgage\u00a0can help you decide if this is the best option for you.\n    <\/p>\n<h2>The Bottom Line<\/h2>\n<p>At the end of the day, remember that you should only refinance if you can check these two boxes:\n    <\/p>\n<ul>\n<li>Refinancing will give you a lower interest rate.<\/li>\n<li>Refinancing will\u00a0<em>save\u00a0<\/em>you more money in the long run than it costs you.<\/li>\n<\/ul>\n<p>Yes, yes, we know we sound like a broken record\u2014but it\u2019s important! A refinance can be a big blessing, but it can also wind up as nothing more than a time-wasting hassle if you don\u2019t think things through on the front end. You definitely don\u2019t want that.\n    <\/p>\n<p>\u00a0\n    <\/p>\n<\/p><\/div>\n<p>Read the full article <a href=\"https:\/\/www.ramseysolutions.com\/real-estate\/refinancing-mortgage\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>We\u2019ve got good news, folks: After a few years of mortgage interest rates constantly climbing and reaching highs we hadn\u2019t seen in decades, rates have\u00a0finally\u00a0started coming back down! Yeah, that\u2019s\u00a0definitely\u00a0a reason to celebrate. Find a Mortgage Lender You Can Trust! It\u2019s also a reason to talk about something that could wind up saving you a<\/p>\n","protected":false},"author":1,"featured_media":24065,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[55],"tags":[],"class_list":{"0":"post-24064","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-news"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Refinance Your Mortgage | BudgetADirect<\/title>\n<meta name=\"description\" content=\"We\u2019ve got good news, folks: After a few years of mortgage interest rates constantly climbing and reaching highs we hadn\u2019t seen in decades, rates\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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