There are of course other reasons to refinance, even if you can not get a rate that is better than two points.

If the rate is higher than the rate on your current mortgage, you can end up costing you more money.

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Refinancing for a better mortgage refinance rate not to extend the term of the loan.
Mortgage brokers are compensated by charging origination fees for their services, but they also take kickbacks from lenders for charging above market interest rates.

These lenders in turn, review your information and send you a quote online.

Maybe your kitchen is an eyesore with pots and pans crowding each other on a narrow counter and cupboard dishes topped with jam.