Be aware that "less" is not the same as "teaser rates" you get earlier.

But, you should carefully consider your financial ability with the new loan term.

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Many people have got a variable rate mortgage the first time and the interest rate adjusts they find that they can barely make their payment each month.

There are always opportunities to get out of the situation if you do the right investigation.

When you know what these are, you can determine whether or not refinancing makes sense in your situation.

With refinancing, it is possible to get cash back to pay off debts and restore credit.