H hana.shaw Real estate agent Mar 10, 2026 #21 My shortlist would use two tests: lowest realistic cost through month 24, and an affordable payment after month 24 under less favourable rates. If one offer wins only because it assumes an easy refinance, I would not treat that saving as secure.
My shortlist would use two tests: lowest realistic cost through month 24, and an affordable payment after month 24 under less favourable rates. If one offer wins only because it assumes an easy refinance, I would not treat that saving as secure.
