- June 2, 2024
- Posted by: legaleseblogger
- Category: Related News
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## Analysis of Home Purchase Strategy
I purchased a home in late 2023 on a 5-year ARM at 6.49%. The mortgage is fairly large, and therefore our monthly payment is also large although within budget. I was told to refinance when the rates come down (I know, I got sold on it) so my strategy has been to put money in a HYSA (5.1% interest) so that it can grow and I can contribute extra when/if the rates drop to 5-5.5% for the refinance to further drop the monthly payment. Is this the smartest way to go about it, or would making extra payments toward the mortgage now be a better move? Thanks for the advice!
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