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Refinancing Loans:

There are (2) general types of a “refinance”. Either a “Rate and Term” or “cash-out”

A “rate and term” refinance is basically lowering the rate for a lower monthly payment and also possibly changing the “Term” e.g. 5year ARM to a 30, 25, 20, 15-year fixed rate. Your loan balance doesn’t change by much when you do this type of refinance just the “rate and term”. .

A “cash-out” loan is the refinancing of your loan if have enough equity in your home to take cash out for any number of reasons; home improvement, debt consolidation, car loans, etc...

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