Refinance Costs
When you refinance your mortgage, you'll pay off your original loan and obtain a new one. You'll probably use the new loan to pay most of the costs you paid when you closed on your original mortgage. These costs can include:
- Closing costs:
- Origination fee
- Prepaid homeowner's insurance premium
- Appraisal fee
- Underwriting fee
- Processing fee
- Tax service fee
- Recording fee
- Title search and insurance
- Flood certificate fee
- Credit report fee
- Tax adjustments
- Discount points
Depending on the terms of your original loan, you may be required to pay a pre-payment penalty, which is a fee charged for paying off your original loan early (some applicable laws may prohibit such fees). Check your original loan documents and/or ask your First Horizon relationship manager for assistance.
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