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When Banks Compete You Win — Except When You Lose – When Banks Compete You Win — Except When You Lose. the price of home mortgages is multi-dimensional, consisting of an interest rate plus upfront fees, some expressed as a percent of the loan.
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The Cost of Refinancing a Mortgage. The cost to refinance a mortgage can vary according to the interest rate, credit score, lender and loan amount. Homeowners who can make lenders compete for their business are more likely to obtain a better mortgage refinance deal.