why refinance a home

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When to Refinance a Mortgage Loan Understanding the Pros & Cons of Refinancing Your Home | MoneyGeek – The most common reason for refinancing is to get a lower interest rate. Refinancing a home loan with a lower mortgage rate can help you.

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There are many reasons why homeowners refinance: the opportunity to obtain a lower interest rate; the chance to shorten the term of their mortgage; the desire to convert from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage, or vice versa; the opportunity to tap a home’s equity in order to finance a large purchase; and the desire to.

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Why refinance? 1. refinancing can lower your rate and payment. This is one of the most common reasons for a home mortgage refinance. If your current interest rate is higher than what is currently available in the market, it is probably a good idea to see how much you could save by refinancing.

A Consumer's Guide to Mortgage Refinancings – Home equity is the dollar-value difference between the balance you owe on your mortgage and the value of your property. When you refinance for an amount greater than what you owe on your home, you can receive the difference in a cash payment (this is called a cash-out refinancing).

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4 Good & Bad Reasons to Refinance Your Home Mortgage Loan – It can be tempting to refinance your home mortgage when you have the money to make a big purchase. Luxury vehicles, boats, RVs, new furniture, and expensive cruises or vacations are typical large purchases that homeowners may use as excuses to increase a mortgage when interest rates are low.

Try our easy-to-use refinance calculator and see if you could save by refinancing. Estimate your new monthly mortgage payment, savings and breakeven point.

Lower payments: Refinancing can lead to lower required monthly payments. The result is easier cash flow management and more money available in the budget for other monthly expenses. When you refinance, you often restart the clock and extend the amount of time you’ll take repay a loan.