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When is the right time to refinance or take out a second mortgage?

Most borrowers refinance when they can find a lower interest rate and/or they need cash out and they have chosen to use their home as collateral for the loan. Typically you should be saving money on a rate and term refinance loan, unless you are refinancing your mortgage to shorten the term. Refinancing your mortgage is the best way to convert a variable interest rate 1 st or 2nd mortgage into a fixed rate loan.

  • Calculate the monthly payment savings
  • Consider the total closing costs of the mortgage refinance

Since refinancing is a major financial decision, we recommend discussing loan terms with a loan officer and a financial consultant that your trust.



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