A married couple that is considering a mortgage refinance has many factors they need to consider. One company may offer no upfront points, but charge a higher interest rate. Another company may offer a no fee up front loan, but the loan is adjustable after five years.
If a couple wants to get a better idea of various loans, then they should use a free home mortgage refinance calculator Excel template. By using such a template, a person has the possibility of saving a tremendous amount of money in the long run. This can make a huge difference during the retirement years.