What is Refinancing?

Some mortgage lenders offer their customers refinancing options. This allows home owners to access the equity they have built up over time. Refinancing may involve changing the terms of your original mortgage agreement, and the refinanced portion may have a different interest rate than the original mortgage. You may have to pay fees in order to do this.

You can borrow up to 80 percent of the appraised value of your home, minus the amount left to pay on your first mortgage.

Common Reasons to Refinance

Home Renovations

May people consider refinancing when they want to make upgrades or want to renovate their home.

Pay off Debts

Debt Consolidation is a common reason home-owners refinance. Due to the fact that mortgage interest rates are lower than that of credit cards.


Some home-owners refinance to invest in stocks or to buy an additional property.

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