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Refinance Your Home

1. Increased Home Value

If conditions in your local housing market have increased your home’s value, your equity went up, too. With high equity, you could refinance, get a new loan on better terms. Or you can convert that equity into cash to use however you like.

2. Interest Rates are Low

As a general rule, if you can get an interest rate at least half a percent lower than what you’re currently paying, it’s a good idea to consider to refinance. If you can get more than a percent, it’s a great idea. A lower rate could get you a shorter term, lower monthly payments, savings over the life of the loan – maybe even all three. 

3. Your Current Mortgage is New

In the early part of many mortgages, most of the monthly payment goes toward interest. If you refinance your home, you can get a new mortgage that applies more of your payments toward principle, that’s good. You’ll build equity faster. It’s like paying money to yourself.

4. Turn your Home's Equity into Cash

Cash-out refinancing turns the equity in your home into cash. From paying off high-interest credit cards to taking a dream vacation, there are no restrictions to how you use the money. And there are no tax penalties for accessing or using this money.

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