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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 Loan

Refinance Mortgage Loan . There are several instances in which refinancing your mortgage loan is a good idea. Lower interest rates and better terms can sometimes be negotiated after you.ve made payments on your existing mortgage for a period of time. If you.ve made timely payments for at least a couple of years, talk to your lender about the terms and rates that could be available as part of a refinance package.