You may have chosen the first lender to approve you, regardless of their service.
The first thing you need to know about banks and mortgages is that your bank is in the mortgage industry to earn money.

The secondary market investors are the main controllers of the current home mortgage refinance rate.

Also deal with the current lender also reduces the time to get the refinance loan as one can easily gather all the documents he needs and make the process quick refinancing.
When you search online, you will see at a glance how easy it is to refinance.
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There are several advantages to using a refinance home loan to consolidate your debts. Most of them have to do with the fact that your loan payments are considerably simplified, saving you time and money.