10/30/2026
Bruh.
First of all, there’s no guarantee that rates in 2-5 years will be worth the cost of a refinance. There’s a break even point.
Second of all… you can buy down your rate- but it doesn’t always make sense.
Sometimes it’s better to bank that money and make your own “buy down.”
Thirdly buy the house that pencils- at the full rate. Don’t be house poor in two years.
So anyway, be smart with your investment and thanks for coming to my RachelTalk ✌🏻
