Current state:
Bought home in 2003, 51,000K mortgage, 5.25 percent
Currently owe $33,000
Ive gotten some face punches and am told to refi. I talked with Quicken loans today and they say:
15 year term, 3.125%, $2800 closing costs.
Thoughts? He certainly did a lot of sweet talking but I like the deal. Ive done some googling and other quotes through places without pulling my credit score (Quicken did), and Im having a hard time finding lower closing costs.
Also, do I roll closing costs into the loan? I thought I had read that is dumb to do? We just sold camper so I do have $6,200 cash lying around if its best not to roll.
Thank you!
Jessica