Mortgage Rates are Dropping - Should I Refinance?

Smiling couple standing outside home

With mortgage rates at historic lows, you may be thinking about refinancing you mortgage. Is now a good time? Refinancing a mortgage is essentially paying off the remaining balance on an existing home loan and then taking out a new mortgage on the same home, often at a lower interest rate. It may sound like a no-brainer, but there are many factors to consider. 

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