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You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. Bankrate follows a strict editorial policy , so you can trust that our content is honest and accurate. You are using an unsupported browser version. Learn more or update your browser. Learn About Refinancing. Get a call back from one of our lending specialists. We ask for your ZIP code because we need to know your time zone so we can call you during the appropriate business hours.
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Facebook LinkedIn Twitter. Learn more about Refinancing Refinancing to lower your monthly mortgage payment Refinancing to a fixed rate Find out how to apply using our Digital Mortgage Experience Read more refinance articles ». Talk to. Connect with a lending specialist:. Schedule an appointment.
Change lending specialist. By refinancing your mortgage, you might be able to lower your interest rate and save money over the life of your loan. When you refinance your mortgage , you take out a new home loan with a new loan term. If you choose to extend your repayment term, you could get a lower monthly payment, which will give you more breathing room in your budget. You might also end up with a reduced monthly payment if you qualify for a lower interest rate. With a fixed-rate mortgage, your interest rate will stay the same for the entire length of your loan.
With a cash-out refinance , you replace your current mortgage with a new loan for more than you owe on your home. Find My Refi Rate Checking rates will not affect your credit.
Learn More: Home Refinance Options. Depending on the type of mortgage you want and the lender you go through, you might have to wait a certain amount of time after you close on your original mortgage to refinance. However, mortgage insurance is required. Learn More: Cash-Out Refinancing vs. Home Equity Loan: How to Choose. Learn More: When to Refinance a Mortgage. Here are a few reasons why your application could be denied:.
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