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R E F I N A N C E
Lower your rate
Get rid of the pesky mortgage insurance
Cash back for debt consolidation, investments, remodel, etc​
Reduce the number of years by converting to a 15 year loan​​​​​​​​​​​​​​​​​​​​​​​​​​​​
​​​​​​​Having different options keeps you in the driver's seat