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When it comes to mortgages, less is more. Less interest. Less hassle. More savings.
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A refinance replaces an existing mortgage with a new one, and may have a new rate and term. A refinance may be used to lower a monthly payment, change the term of the loan, or pay off or consolidate existing home loan(s) and other debts.
Because a refinance transaction is a brand new loan, new documents have to be prepared and filed with the County Recorders office as well as updated title work and lien research performed.
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