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Objective

Obtain a lower payment
Obtain a lower interest rate
Convert my adjustable rate
Obtain cash at closing
Other

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Refinance Mortgage Rate

Refinance Mortgage Rate . If the interest rates have dropped, you may think it.s automatically time to refinance. Remember that you.re going to have to pay closing costs on a refinancing loan just as you did on the original loan. Be sure that interest rates have dropped enough that you can recover the costs in a year or two with the savings from the lower interest rates. Keep in mind that some lenders also offer additionally lower rates for consumers who have an existing mortgage and who have shown the ability to make payments on time.