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Mortgage rates remain at near record lows, and many homeowners are finding it cost effective to take advantage of today’s terms. Regardless of whether your mortgage has been in place for years or even months, it may be wise to consider refinancing.
A refinance loan essentially replaces your old mortgage with a new mortgage. There may be closing costs associated with a mortgage refinance, but those fees can often be rolled into the new loan to minimize out-of-pocket expenses.
Refinancing can be an excellent way to reduce monthly payments by lowering your interest rate, especially if your income has increased, your credit score has improved or the value of your home has stabilized. But it can help you meet other goals too.
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