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People refinance mortgages for many reasons. The most prevalent reasons are to change the type of loan Jamal Adams Shirt , obtain reduced interest rates, or borrow cash against accrued home equity. Borrowers can save thousands of dollars over the course of the loan by shaving as little as 2-percent off interest rates.

In order to refinance mortgages, borrowers must qualify for a new loan. Borrowers holding two mortgages can refinance both into one loan. Once approved the original notes are paid off. However, borrowers must be prepared to pay associated closing costs which can amount to 5-percent or more of the loan amount.

Before applying for mortgage refinance Nathan Shepherd Shirt , borrowers should review their current loan documents to determine if a prepayment clause exists. Many mortgage lenders assess penalties if loans are paid off early. These penalties are in addition to closing costs associated with refinancing.

Banks assess multiple factors prior to granting approval for mortgage refinancing. Lenders typically require borrowers to possess FICO scores of 720 or higher, along with a positive track record of paying bills on time and a solid employment record. Additional considerations include the outstanding principal balance and current appraised property value.

Many homeowners refinance mortgages to obtain cash to pay off outstanding debts such as credit cards, student loans, and other types of secured and unsecured loans. Others use funds for home improvements or investment products.

Home loans are assessed with lower interest rates than other types of credit. For example Sam Darnold Shirt , the average interest rate for a 30-year fixed rate mortgage hovers around 5-percent, while credit cards are assessed interest rates of 12-percent or higher.

Qualified borrowers can enter into mortgage refinance at any time. Mortgagors holding subprime loans often strive to refinance into conventional loans within 2 to 3 years. Mortgagors holding 30-year mortgage notes can refinance into 15-year loans once they improve personal finances and can afford higher mortgage payments.

Borrowers should take time to research all available mortgage refinance options to obtain the best deal and lowest rate of interest. Some banks offer no-cost loans which allow borrowers to include closing costs in the refinanced loan.

Before financing closing costs it is crucial to calculate the overall costs of this strategy. Banks assess interest against closing costs that could add a substantial amount to the loan. It is generally more cost effective to pay closing costs upfront instead of paying interest for 15 to 30 years.

The option to refinance mortgages can help borrowers reduce loan payments or obtain lump sum cash. This can be a financially-sound decision as long as borrowers take time to weigh the pros and cons. One good source for learning about the process of refinancing is the Federal Reserve Board website at .

This website offers a comprehensive consumer's guide to mortgage refinance. Visitors can download financial worksheets to help determine if they meet refinancing criteria and calculate costs involved. The Federal Reserve also offers mortgage loan comparison guides to help borrowers make smart financial decisions.

Mortgagors should only enter into mortgage refinance when doing so saves them money. Otherwise, they could place their most valuable asset at risk for foreclosure. It can be helpful for homeowners to consult with a mortgage broker or financial advisor before attempting to refinance mortgages.
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