But refinancing involves many upfront costs (interest points, taxes, fees, etc.), so it may take several months (or even years) for you to actually realize these savings.

将房屋重新抵押筹备资金包括了很多成本(如利率点，税收，手续费等)，所以你可能要花几个月甚至上年的时间才能从中看到节省的成本。