Refinance Or Buy New House Apr 2026

The math works if you stay long enough to recoup those fees—ideally with a break-even point under 24 months .

Builders are currently offering mortgage rate buy-downs and credits that can make a new home cheaper than an existing one ( Investopedia ). refinance or buy new house

💡 If your rate is already below 6% , refinancing likely won't save you money right now. If you're buying, look for builder incentives to beat the standard market rates. The math works if you stay long enough

The decision to refinance or move depends on whether you want to in your current home or trade up/down for a different lifestyle. 2 years vs. 10 years)?

Your for staying in the home (e.g., 2 years vs. 10 years)?