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Freddie Mac’s latest survey puts the average 30-year fixed mortgage at 7.18%, down from 7.24% last week — the third weekly decline in a row. Still, that is nearly a full point above where it stood a year ago (6.22%).
For homeowners sitting on a higher rate, the refinance math is tempting. But refinancing usually restarts the 30-year clock, adding years of payments even as the monthly bill drops.
Would you refinance at a lower rate if it meant starting the 30-year clock over?
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Not financial advice.
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