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Viagra cheap canada you’ve heard the talk lately about low interest rates. And, where there’s talk of low rates, there’s also talk of refinancing. You may even be considering refinancing your own mortgage. Is refinancing a good option for you? And what exactly does it entail? Refinancing is when you take out a new mortgage to repay your old mortgage. In essence, you are replacing your previous mortgage with a brand-spanking new one, and everything that goes along with it: new rates, new terms, new loan agreement. And, depending on your situation, new fees, new points, new payments. Before you make the commitment, ask yourself these questions. How long will I stay here? If you’re looking to refinance to lock in a lower interest rate, you need to consider how long you’re planning to remain in your home. You need to be there long enough to offset the additional fees you’ll incur at closing on the new mortgage, so if you’re only planning to stay in your home for a few more years viagra cheap canada, you may be better off staying put. Is the fixed rate on [viagra cheap canada] my adjustable-rate mortgage about to expire? Interest rates are still relatively low, but as history has shown us, that’s not always the case. If you have an adjustable-rate mortgage and haven’t refinanced yet, it’s a good time to consider locking in today’s current low rates. Am I looking to cash out the equity in my house? If you have a substantial amount of equity in your home, you’ll need to decide whether you want to refinance just what you currently owe, or if you want to mortgage a higher amount and use the additional cash to perhaps pay off other debts or improve the value of your home with renovations. This decision won’t be solely up to you, however. You’ll still be subject to debt-to-income evaluation, credit check, and other criteria. How much lower will my monthly payment be? If you’re not looking to cash out any equity, locking in a lower interest rate with a new mortgage can reduce your monthly mortgage payment. That’s great for homeowners who are strapped for cash and having trouble paying other bills, but it viagra cheap canada may not make sense if there’s just a small difference in payment amounts due to the fees and additional interest you’ll pay over the life of the loan. How much is my house worth, and how much do I still owe? You may find your ability to refinance hampered if your home’s value has plummeted. If you owe more than your home is worth, or if you have very little equity in your home, the current financial market may make it harder for you to get approval for a refinance. But that doesn’t mean you shouldn’t try.


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