Buying a home is a major milestone, but it’s not the end of the journey. You might decide to refinance your mortgage in a few years or even later. Here’s how to do that and what to expect.

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Like most home buyers, you probably purchased a mortgage along with the purchase of your house. After a few years, however, you may want to refinance that mortgage debt in order to take advantage.

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Refinancing is the process of getting a new loan to pay off existing debts, and it can sometimes result in huge savings. Ideally, when you refinance, you end up with a better loan, which usually means a lower interest rate-but there are other factors to consider, as well.

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