Refinancing to Pay Off Credit Card Debt

There are a number of things to consider when you’re thinking about refinancing your mortgage to pay off your credit card debt. We’ll walk you through the pros and cons so you can figure out what the best option is for you.
Refinancing 101

Refinancing 101

There are a number of reasons why homeowners all over the country choose to refinance. Read our step-by-step guide and see how you could be saving money by lowering your monthly payment, lowering your interest rate or paying off your mortgage faster.

Things to Consider Before Refinancing Your Home

The new Home Affordability Refinance Program has made it even easier to refinance your home, even if you owe more than its value. Just because you can refinance your home, however, doesn't mean you should. Make sure you consider the answers to the following questions carefully before you commit.

Taking Advantage of HARP

We used to think that HARP-eligible borrowers were “underwater” meaning they owed more than their home was worth, but wasn’t always true. In fact, since the inception date of HARP (April 2009), 56% of all those who had completed a HARP refinance had Loan-to-Value (LTV) ratios of 80% to 105% of the home’s worth, meaning: they didn’t actually owe more on their mortgage than their home was currently worth. Should you be taking advantage of HARP? Read on to see why you should be.
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