The most common reasons for refinancing are:

• You have a fixed-rate mortgage with a high interest rate, and are looking to get a lower interest rate
• You have an adjustable rate mortgage (ARM) and are looking to get a fixed rate
• You have two mortgages and would like to consolidate them into one
• You have a long-term loan and would like a shorter-term loan so you can pay it off and build equity more quickly
• You have a short-term loan and would like a longer-term loan so as to reduce your monthly payments
• You want to move from an interest-only mortgage to a loan that pays down the principal
• You want some extra cash to make a purchase or to pay off other debt

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