Refinancing may not pay off for most homeowners planning to move in the near future, according to Realtor.com senior economist Jake Krimmel. The key to refinancing, he said, is knowing if a move passes a rule called the "breakeven point," which looks at whether upfront costs are outweighed by the savings from a lower rate."Loan size, remaining term, and, most importantly, how long the borrower plans to stay in their home all matter," Krimmel said, noting that "a rule of thumb is closing costs divided by monthly savings." While the Federal Reserve cut interest rates for the third straight time,...

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