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Actualización del mercado hipotecario
Melissa Leon Diaz
Melissa Leon Diaz
miércoles, 19 de agosto de 2026
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Should you refinance your mortgage? |
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Hi there. This week I want to cover a question I hear often: when is refinancing actually worth it?
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Tasas hipotecarias nacionales · 13 de agosto de 2026
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Fuente: Freddie Mac PMMS y Optimal Blue vía FRED
Las tasas mostradas son promedios nacionales y se ofrecen solo con fines informativos. Las tasas reales varían según el perfil crediticio, el monto del préstamo y las condiciones del mercado. Contáctenos para una cotización personalizada.
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Refinancing Basics
When refinancing makes sense for your situation
Refinancing isn't a one-size-fits-all move—it works best when your personal circumstances or market conditions align with your goals. Some people refinance to lower their monthly payment, others to shorten their loan term or tap into home equity for a major expense. The catch is that refinancing involves closing costs and a new application process, so it only pencils out if the benefit outweighs what you'll spend. That's why it pays to look at your specific numbers: how long you plan to stay in the home, what your current loan terms are, and where rates stand today. I'm happy to walk through whether refinancing could work for you. If you're curious whether refinancing makes sense, let's talk through your options.
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Consejo de la semana
Inspect your attic insulation. Proper insulation reduces heating and cooling costs and can prevent ice dams on your roof.
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Consejos para propietarios
Fall Home Prep: Heating, Safety & Systems
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1.
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Have your heating system serviced before it's needed. A furnace failure in winter is an emergency — routine maintenance costs far less than emergency repairs.
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2.
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Test smoke detectors and carbon monoxide detectors and replace batteries. Carbon monoxide poisoning risk rises when heating systems run more frequently.
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3.
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Drain and shut off exterior faucets and sprinkler systems before the first freeze to prevent burst pipes — one of the most expensive and disruptive homeowner emergencies.
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Have questions about how any of this affects your mortgage or home purchase? We're here to help — reach out to the Melissa Leon Diaz team any time and we'll walk you through your options. |
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1700 sw 57th ave suite 205 miami fl 33155
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