Mortgage rates hit lowest level in 4 years, but homebuyers are still stuck on the sidelines

A true zero cost refinance is when a lender credit offsets your closing costs so you’re not bringing cash to the table — and not increasing your loan amount. If the numbers make sense today, you win today. If rates drop again later, you can refinance again. #refinance #homeowner #homeownership #mortgagerates #refinancemortgage