Wednesday, but overall, refinance rates were essentially flat. Jumbo refinance loans were among those seeing a modest decline ...

After climbing an eighth of a point the previous day, rates on 30-year mortgages held steady Wednesday. But 15-year and jumbo 30-year rates eased lower.

The break-even point of a mortgage refinance is when the money you save is equal to what you paid in upfront closing costs.

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