Refinancing home loan is generally taken to repay the first home loan and continue the second loan with a favorable interest rate.

In this way, when the loan is approved and you do not accept it, it will not hurt your credit score.

Make sure your lock in period is long enough to allow a settlement before the lock-in period expires.

Choose the company that offers the lowest interest rates, but see the savings you can generate too. Petersburg or a condominium in Clearwater where the beach is just a hop and a jump away.

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With new bankruptcy on your record, you're bound to be stuck paying a higher interest rate.
A home equity mortgage refinance can be a cool spot to go so we now before rates rise.