"A rate and term refinance lets you replace your current mortgage with one that better fits your financial goals. Whether you're aiming for a lower interest rate, a shorter loan term, or both, this option helps you save money and gain more control over your mortgage.

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With a cash-out refinance, you can turn your home’s equity into usable funds. This option replaces your existing mortgage with a new, larger loan—giving you access to the difference in cash, which you can use for renovations, debt consolidation, or other big goals.

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