We talk about one of the most common questions homeowners ask when rates start moving: “Should I refinance now… or wait, because rates might get better?”

And here’s the twist: waiting can absolutely pay off… but it can also quietly cost you money every single month you delay.

So in this episode, I’m going to break down the cost of waiting to refinance your mortgage using a simple real-world example, and I’ll give you a clean way to think about the decision without guessing or getting lost in the headlines.