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Why it's important to keep your 30 year fix as long as you can.

When you get into a 30 year fix, you want to make sure your interest rate is the lowest you can qualify for. During the first few years to about five years, you're mostly paying on the interest of your loan. After the five year mark you can see your payments finally going toward more of the principle of your loan. The longer you have your 30 year fix the more your payment will go toward the principle. If you refinance, your payment cycle will start from the beginning.

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How much does it cost to refinance?

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Why it's important to keep your 30 year fix as long as you can.

Broker versus lender.

Choosing the right loan program.