Deciding whether or not it is time to refinance mortgage loans is always a bit of a gamble. Of course, the optimum time to refinance is when the interest rate is at its lowest. But, there is no way... years or more then it is probably a wise decision, generally speaking, to go ahead and refinance... not be the best option for you. Deciding whether or not to refinance a mortgage depends as much on your future plans as it does on the interest rate you are able to receive on a new loan. To refinance mortgage
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