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Some lenders use the rule of thumb that is is beneficial to refinance 
your home when there is a difference of 2 percentage points 
between the old rate and the new one.
Following above "rule" may cost you- homeowner a lot of money.
Actually, a very small percentage point spread may justify refinancing 
if other factors are present.
The following are other factors which you must be considered.
i) Closing costs.
i) Projected length of ownership
i) Income tax bracket of the owner

Since you are intending to borrow more than 1 million, consider Loans 
in excess of 1987 revenue act limits.

Then, When to Refinance Your Home?
The real cost of refinancing is the closing costs. 
Determine how many months it will take to make up these costs from the
savings under the new loan.

Here is forumla or equation.

$ ______________    Minus ______________    $ _________________
  Old payment                    New Lower              Monthly 
                                          Payment                Savings

$ ______________  Divided by $ ___________  = $ _______________
  Closing Costs                          Monthly                Number of
                                                  Savings                  Months to
                                                                                Break Even

If you still have any questions, you can write me 
at my email: andrew@andrewkim.com 





 제융자님이 2008-01-13 11:57:52에 쓰신글
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>좋을른지, 지금이 아니면 조금더 기다려야할런지, 크레딧 좋구, 액수는 백만불이 넘어가는데, 고수님들의 고견을 듣구싶네요, 먼저 감사드리구여