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A refinance, which pays off your current mortgage with a new loan's proceeds, allows you to tap into your home's equity or obtain more favorable loan terms.
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By lowering your interest rate through a home refinancing, you can also lower your monthly mortgage payments. Monthly payments are directly.
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However, refinancing your mortgage isn't necessarily a smart choice. If you're considering refinancing your home, here are four questions to.
Q: I was offered a mortgage “recast” and I need help evaluating if it is a sound financial move. My home is worth $250,000. I owe about $68,000.
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