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It is the act of getting a second loan to pay off the original... leaving you with the new payment schedule and the new interest rates. Refinancing often lowers your monthly payment, because the new loan is taken out on a smaller amount than the original mortgage loan.

In addition to a potential significant reduction in your monthly payment and interest rates, refinancing can buy you more time to pay off your mortgage

In order to refinance a mortgage loan, you have to find a lender to issue the refinancing loan. The loan application is very similar to most other applications, except that the subject of the loan is the balance of the original mortgage and that the collateral is the equity that you have in the house.

Disclamer: On the pages of this web site you will find articles and news items about refinancing.  This information was collected from many independent sources.  The opinions expressed by each source is their opinion and is not necessarily the opinion of the CPA Moms.  Each article or news item offers a different point of view and the source of each.   This information is for general information only.  If you want a specific opinion, please contact CPA Moms.


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