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About My Mortgages – Get the Facts BEFORE You Refinance! AboutMyMortgages.com If you’re refinancing a $200,000 loan with closing costs of 3%, you’d have to bring $6,000 in cold hard cash to the closing table. If you haven’t built up enough equity in the home, you’ll probably get stuck paying for private mortgage insurance (pmi) when you refinance.Refi, Recast, or Prepay? Options for your Mortgage · The Difference Between Recasting and Refinancing a Mortgage. May 18, 2017 By JMcHood. When you are in the midst of a mortgage term, but you want to change your payments, you have two options. You can recast or refinance a mortgage. Recasting is not something many borrowers are familiar with because lenders do not advertise it.. Refinancing.
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