Refinancing—or Paying Off—a Mortgage? Questions to Ask Yourself – The Wall Street Journal

Should you refinance your mortgage? Or maybe pay it off? Many people nearing retirement are considering these options amid pandemic-induced uncertainty in the financial markets and historically low interest rates.

For some older homeowners, the idea of saving money by refinancing is appealing. With Bankrate data showing the interest rate on 30-year, fixed-rate home loans hovering around 3% and 15-year rates around 2.5%, there can be merit to refinancing and investing the savings or keeping the cash for an extra cushion during…

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Refinancing—or Paying Off—a Mortgage? Questions to Ask Yourself – The Wall Street Journal

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