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2. Mortgage refinance: What is it and how does it work? - AOL

   www.aol.com/finance/mortgage-refinance-does...

   With refinancing, you can change the loan type and lender. To refinance a mortgage, you’ll pay between 2 and 5 percent of the loan amount in closing costs, so if you’re refinancing to save ...

3. When should you refinance your mortgage? - AOL

   www.aol.com/finance/refinance-mortgage-152541677...

   Refinancing a mortgage involves swapping out your current home loan for a new one, often with a different rate and term. The process is similar to when you initially purchased your home. Our ...

4. When should you refinance your mortgage? - AOL

   www.aol.com/finance/when-to-refinance-mortgage...

   You should refinance if you want longer terms to lower your monthly mortgage payment or shorter terms to pay off your loan sooner. But you’ll want to make sure you’re lowering your interest ...

5. How to refinance when you have a second mortgage - AOL

   www.aol.com/finance/refinance-second-mortgage...

   Refinancing a second mortgage — like a home equity loan or home equity line of credit (HELOC) — is a popular way for many to get a lower interest rate. Swapping out a second mortgage for ...

6. Mortgage points: What are they and how do they work? - AOL

   www.aol.com/finance/mortgage-points-192840885.html

   If you sell the home after only a few years, or refinance the mortgage or pay it off, buying discount points could lose you money. Here’s an example of how discount points can reduce costs on a ...

7. Do you need a down payment to refinance your mortgage? - AOL

   www.aol.com/finance/down-payment-refinance...

   In the typical rate-and-term refinance, which lowers your interest rate and payments and/or shortens your loan term, lenders generally look for an 80 percent loan-to-value ratio (LTV) or lower ...