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Texas Mortgage Home Loan .com recommends that its clients refinance based on lower monthly payments, but they should still calculate the up front costs of refinancing. The old rule for refinancing was that your new mortgage should be 2 points lower than your current mortgage unless low-cost refinancing is offered, but with Texas Mortgage Home Loan.com you don’t need to worry about that because we now offer low-cost refinancing to the vast majority of our clients. More information on Texas refinancing