Subject: Refinance for all CREDIT situations.

From: Helen Tojo <[email-masked]>
Date: Mon, 5 Dec 2016 12:12:52 -0500

Hello [email-masked],

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There are at least 2 ways that refinancing into a 15-year mortgage saves money:

Interest rates on 15-year, fixed-rate mortgages typically run about three-quarters of a percentage point lower than the interest rates on equivalent 30-year home loans.

You pay interest for a shorter time. This seems obvious, right? But the difference between making 360 house payments (a 30-year loan) and 180 house payments (a 15-year loan)

can total tens of thousands of dollars. And you' re mortgage-free sooner.

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