There are many cases where you do not need or can not follow the rule of two percent.

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Consider to ensure your current mortgage does not have some pre-payment penalties.
If you plan to sell your house fast, refinancing may not make sense at all.
You might wonder what family memories devil have to do with a home refinancing.
Borrowers must stay cool during the periods, pay and need to talk to lenders so they can work on a new payment plan or modify the loan to pay the fees situation.
Refinancing home mortgage rates are usually less than the original original loan.