how can you refinance your mortgage

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Refinancing your mortgage can improve your finances in various ways: Free up money each month. If your refinanced mortgage has a lower monthly payment, you can put the saved funds toward other.

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The FHA only cares about your payment history. They look back at the last 6 months of payments. This is the one case where you need a 6-month history before you can refinance. However, you can start the process before that point. The lender will wait until you make your sixth payment to pull your case number and close the loan, though.

There are a few different methods and tricks of the trade that can help you refinance your mortgage for greater savings. From knowing your credit score to comparison shopping, we’ve found six ways to.

For instance, you can use the equity or cash value in your home for a major expense such as a child’s education or a remodeling project. You may want to refinance to.

How to Refinance Your Mortgage. You can adjust your mortgage to pay more per month so that the life of your loan is shortened. Or you can adjust your mortgage to pay less per month so that the life of your loan is lengthened. Both can be advantageous if used properly, and both can be hazardous if used recklessly.

David Hochberg from Team Hochberg joins Bill and Wendy to talk about the right time to refinance a mortgage. He also gives advice on how to teach your kids about student loans and handling payments.

13 signs you should refinance your mortgage 1. Your interest rate is higher than current mortgage rates. interest rates have been at historic lows for a couple of years now. If you closed on your mortgage 7 or more years ago chances are that your interest rate is higher than the current rates.

 · How Refinancing a Car Loan Affects Your Credit. Each time you refinance an auto loan, it affects your credit. If you refinance a car loan, the bank or credit union you’re applying to will need to run a new inquiry on your credit history, which results in a hard inquiry on your credit report.

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