Multi-family housing starts take offVancouver Sun, Canada -4 minutes ago"A lot of people are going towards those options to keep their mortgage carrying costs down," Dugan said. "About five years ago housing starts were about ... Having said that, the total expense of a refinance mortgage loan depends on all those factors - interest rate, number of points, and other costs. Lenders will charge several points in order to offer you the lowest rates. With these, the total can run between three and six percent of the total amount you borrow. So, for instance, you borrowed $100,000 on a refinance mortgage loan.