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Use the equity you've establish A cash-out refinance allows you to tap into the equity you have built up in your home. And, if you are currently paying for mortgage insurance and your loan-to-value has decreased, you may qualify for a loan without mortgage insurance.
Change your loan program Some homeowners who start out in an adjustable rate mortgage (ARM) find that they would like to switch to the stability of a fixed rate mortgage. A loan comparison chart can help you find out if you can save money with another type of loan program