👉 Refinancing is a process in which an existing loan or mortgage is modified to provide a new, more affordable or longer-term option. The goal of refinancing is to reduce the monthly payment and lower the interest rate on the original loan. The process typically involves changing the terms of the existing loan to make it less expensive for the borrower. This can be done by reducing the principal balance (the amount borrowed) or increasing the interest rate, depending on the circumstances. Refinancing may also involve
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