mortgage rates over the last 5 years
mortgage rates over the last 5 years
mortgage rates over the last 5 years

 
By refinancing your mortgage when interest rates are lower, you can exchange a higher interest rate to a lower level, which in turn will lower your monthly payment.

If you are considering this as an option, you'll want to shop around for the best deal.

The decision to refinance your home is one of the most important decisions you will ever make.

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You can also opt for a variable rate if you feel you can take advantage of that are usually implied by the variable rate loans lower interest rates.

In some cases, you can refinance more than the value of your current mortgage.

You should always try to get quotes from as many lenders as possible at home.