10/26/2026
Are You Thinking, Maybe I’ll Refinance Next Year
People often find themselves saying "maybe next year" when it comes to refinancing, mostly because trying to time the market can feel exhausting. The tricky part? Waiting isn't always free. Sometimes, looking at a simple calculation can help put things into perspective: Take your potential monthly savings if you were to refinance today... Multiply that by the 12 months you might be planning to wait... If that total ends up higher than your estimated closing costs, holding off could actually be costing you money rather than saving it. Of every market is different, and everyone’s numbers look unique. If you're curious where your specific break-even line might sit, shoot me a message and we can map it out together. www.guildmortgage.com/lexiewilliams
