That will all depend upon a few things including your credit score. You could probably get in the 4.5% range with no points. One small negative factor is your low loan balance.
Income and credit score are pretty important factors. From what you said though you can probably get a pretty good deal.
if you want fast quotes, try soem of the online lenders. Quick and easy quotes so you get a good ballpark and can see what you're dealing with with no fuss.
if you want fast quotes, try soem of the online lenders. Quick and easy quotes so you get a good ballpark and can see what you're dealing with with no fuss.
Avoid the hassle of refinancing.
If you have an $80,000 balance at 5.75% and you want to pay off in ten years, pay monthly $878.15 monthly. Whatever that is above your normal, regular payment, pay the extra monthly.
"If" you could refinance at 4.50%, and costs were minimal, your monthly payment would be about $860 monthly. IF you just pay $20 more a month than that, you are done in ten years.
If you have an $80,000 balance at 5.75% and you want to pay off in ten years, pay monthly $878.15 monthly. Whatever that is above your normal, regular payment, pay the extra monthly.
"If" you could refinance at 4.50%, and costs were minimal, your monthly payment would be about $860 monthly. IF you just pay $20 more a month than that, you are done in ten years.
