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What is a mortgage refinance?
A mortgage refinancing doesn’t just modify or adjust existing loan terms, a refinancing creates an entirely new mortgage loan. The new loan replaces the old loan. You receive a new, and often better interest rate, a new monthly payment and a refinancing can create a fresh 30-year term. There’s also the option of refinancing for 15 or 20 years.
Do I have to refinance with my current lender?
You do not need to work with your current lender to refinance. Just with any major financial decision, you should explore your options and find the lender that is able to help you accomplish your refinancing goals. The best way is to call LocalXR to explore more refinancing options and find the best rates for refinancing.
How do I know if refinancing is the best move for me?
First, determine your reason for refinancing—improving monthly cash flow, reducing your mortgage term, getting cash back out of the equity you have in your home, etc. Once you know what you want to accomplish, contact LocalXR to connect with top mortgage lender in order to determine what mortgage program will best meet your needs and to make sure the benefit to refinancing outweighs the cost. This is often referred to as “net tangible benefit.”
Why should I refinance?
There are numerous reasons customers refinance the loans they already have. Some of these are:
To lower the monthly payment
To lower the interest rate
To switch from an adjustable rate to a fixed rate, or vice versa
To refinance for a higher amount in order to pay off other debts or get cash
To change the remaining term of the loan
Whatever your needs, we can help you determine whether to refinance and which loan is best for you.
What are the benefits of refinancing?
You may want to consider refinancing if you are interested in paying off high-interest-rate debt, shortening the length of your repayment term for your mortgage or lowering your monthly mortgage payment.
How much equity do I need to refinance?
The amount of equity you need to refinance depends on the type of loan and the lender. For conventional mortgage loans, many lenders require at least 20 percent equity, although some banks have relaxed their standards and now only require five percent equity. If you refinance to an FHA home loan, you only need three percent equity.
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