I looked into getting some refinancing action on my house. The - TopicsExpress

I looked into getting some refinancing action on my house. The idea being lock in a lower rate, pay less monthly. I liked that idea. Got the paperwork to review. I have a FHA loan, and by getting a new one I get smacked with paying the new MIP rates that cost $1k+ more annually than what I pay now. All of the other numbers line up fine except for this one. So after doing the math using the estimated numbers, I only end up saving around $360 a year. And will I end up owing more after closing costs are tacked on to my loan. I am under no illusion that I will ever own this house outright. I would like to pay less for it for as long as I can, but this doesnt seem that great of a deal to me. Am I being too picky here? I also really hate all of that paperwork. Talk me down if you can.

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