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How Do I Know If I Should Refinance My Mortgage? After applying the refinance penalty to the mortgage balance, you would have $56,589.96 in equity left for debt consolidation purposes. refinanced mortgage details. Your mortgage after refinancing would have a balance of $303,410.04. Your monthly payments would be about $1,645.93 per month, and it would take approximately 26.4 years to pay it down.
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