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Would paying $3,000 now save you money on a home loan?

Imagine paying a lender $3,000 now to lower your home-loan payments by $50 a month. Recovering that fee takes 60 months, or five years. Sell the home or replace the loan sooner, and the savings may never cover the fee.

The rest of this one is in Curio Pro.

Source: consumerfinance.gov

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