🎯🏡 Refi Sweet Spot — When Refinancing Actually Makes Sense • Current rate is significantly higher than market options • Monthly payment relief outweighs closing costs • You plan to stay in the home long enough to break even • Removing PMI or improving loan terms • Accessing equity for a strategic purpose The refi sweet spot isn’t about chasing rates — it’s about timing, math, and long-term goals lining up. At The Onyx Group Mortgage, we run the numbers to see if refinancing improves your posit