Refinancing To Lower Payments

This is the main reason people refinance.

If you currently have a fixed rate mortgage at a higher interest rate than what is available now, refinancing can lower your monthly payment.

If you have an adjustable rate mortgage that is starting to go up, you can lock in at a fixed rate that will keep your payments level for the rest of the loan term.

The key is weighing the benefits of the refinance loan against the costs of processing a new loan.

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