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What Is Refinancing?Refinancing refers to the process of revising or replacing a credit agreement, ordinarily about a loan or mortgage. The process of refinancing is typically sought when a business or individual wants to achieve favorable changes to their payment options, interest rates, payment schedule, or other terms of their loan obligations. When approved, refinancing grants the borrower a new, more favorable contract that replaces the original agreement.
When To RefinanceIf your credit has improved since you were first approved for your loan, you have a good chance of qualifying for more favorable loan terms. But how do you know when refinancing is an ideal option? Generally, refinancing of a mortgage is recommended when one or more of the following occur.
- You want to lower your interest rate and monthly payment.
- You want to cash out.
- You'd like to change your rate type, such as transitioning from an adjustable-rate loan to a fixed-rate loan.
- Changing or shortening your loan term can save you money or lower your interest rate.