{"id":264,"date":"2022-12-04T06:00:00","date_gmt":"2022-12-04T06:00:00","guid":{"rendered":"https:\/\/mortgagestogo.ca\/blog\/?p=264"},"modified":"2022-12-13T16:48:28","modified_gmt":"2022-12-13T16:48:28","slug":"refinancing-your-home","status":"publish","type":"post","link":"https:\/\/mortgagestogo.ca\/blog\/refinancing-your-home\/","title":{"rendered":"Why it may be best for you to refinance, NOW | MORTGAGESTOGO.CA"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lbkeqd0f-bfd8eeaf2e3fdfb7525cb6b5d6d31962\">\n#top .av-special-heading.av-lbkeqd0f-bfd8eeaf2e3fdfb7525cb6b5d6d31962{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-lbkeqd0f-bfd8eeaf2e3fdfb7525cb6b5d6d31962 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-lbkeqd0f-bfd8eeaf2e3fdfb7525cb6b5d6d31962 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-lbkeqd0f-bfd8eeaf2e3fdfb7525cb6b5d6d31962 av-special-heading-h1 blockquote modern-quote modern-centered  avia-builder-el-0  el_before_av_textblock  avia-builder-el-first '><h1 class='av-special-heading-tag'  itemprop=\"headline\"  >Why it may be best for you to refinance, NOW<\/h1><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n<section  class='av_textblock_section av-lae92b4l-d53021aa132914723202b304aec2e845'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p><span style=\"font-weight: 400;\">If you&#8217;re like most people, you&#8217;re probably wondering if you should refinance your mortgage. After all, interest rates are at an all-time low, so it seems like a no-brainer, right?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Wrong.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">rates may be low, but that doesn&#8217;t necessarily mean it&#8217;s the best time for you to refinance. In fact, there are several compelling reasons why you might want to hold off on refinancing your home loan, at least for the time being.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here are just a few of those reasons:<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Mortgage rates are still near historic lows<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">With mortgage rates still near historic lows, now is the time to refinance and save money. Analysts expect rates to begin rising later this year, so lock in a low rate now.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There are several reasons to refinance:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">-Get a lower monthly payment<\/span><\/p>\n<p><span style=\"font-weight: 400;\">-Get cash out for home improvements or other purposes<\/span><\/p>\n<p><span style=\"font-weight: 400;\">-Get rid of private mortgage insurance (PMI)<\/span><\/p>\n<p><span style=\"font-weight: 400;\">-Pay off your mortgage faster<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Home values are rising<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Home values are rising at a rapid pace in many parts of the country, and this is good news if you\u2019re thinking about refinancing your home loan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you took out your original mortgage when home values were lower, you may now have built up enough equity to qualify for a refinance loan with a lower interest rate. And with rates still near historic lows, this could be an ideal time to save on your monthly mortgage payments.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">You may be able to lower your monthly payments<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you&#8217;re considering refinancing your mortgage, you may be able to lower your monthly payments. Mortgage rates are still near historic lows, so now may be a good time to refinance and save money.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When you refinance, you&#8217;re essentially taking out a new loan to replace your existing mortgage. You&#8217;ll work with a lender to determine what kind of loan terms you qualify for. If you&#8217;re approved, you&#8217;ll get a new loan with a lower interest rate and hopefully lower monthly payments.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Before you decide to refinance, it&#8217;s important to consider the costs. You&#8217;ll have to pay fees to cover the cost of processing your loan, and you may have to pay for an appraisal if your lender requires one. You&#8217;ll also need to factor in the interest you&#8217;ll pay on your new loan until it&#8217;s paid off.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you&#8217;re able to lower your monthly payments and are comfortable with the other costs involved, refinancing could be a good option for you.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">You may be able to shorten your loan term<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you&#8217;re looking to build equity in your home more rapidly, you may want to refinance to a shorter-term loan. While your monthly payments will be higher, you&#8217;ll pay less interest over the life of the loan.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A shorter loan term also allows you to be mortgage-free more quickly, which can be beneficial if you plan on selling your home or no longer wish to make monthly mortgage payments.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">You may be able to get cash out for home improvements<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you\u2019re a homeowner, you may be able to use the equity in your home to get cash for home improvements. A cash-out refinance lets you refinance your mortgage and withdraw equity from your home in one transaction.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The cash you get from a cash-out refinance depends on the value of your home, your mortgage balance, and the amount of cash you need. Most lenders will limit the amount of cash you can take out to 80% of your home\u2019s value. So if your home is worth $250,000 and your current mortgage balance is $150,000, you could take out up to $100,000 in cash.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A cash-out refinance can be a good way to pay for home improvements, debt consolidation, or other major expenses. But be sure to consider all your options before you apply. You may be able to get a lower interest rate with a personal loan or a HELOC (home equity line of credit). And if you have enough equity in your home, you may be able to do a no-cost refinance.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">You may be able to consolidate debt<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Debt consolidation is one of the main reasons people refinance. You can consolidate multiple debts \u2014 such as credit card debt, student loans, or other loans \u2014 into a single loan with one monthly payment. This can simplify your finances and save you money on interest over the life of your loan.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">You may be able to save on private mortgage insurance<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you&#8217;re carrying private mortgage insurance (PMI) on your current home loan, you may be able to cancel it and save money by refinancing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here&#8217;s how it works. Mortgage insurance is designed to protect the lender in case the borrower defaults on the loan. If you have a conventional loan and put less than 20% down when you bought your home, chances are you&#8217;re paying for mortgage insurance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The good news is that once you reach 20% equity in your home, you can usually cancel your mortgage insurance. And the best way to get there may be to refinance into a new loan without mortgage insurance.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">You may be able to improve your credit score<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A recent study shows that refinancing while mortgage rates are low could improve your credit score.1 If you have credit card debt, student loans, or other debt with a higher interest rate than your mortgage, you may be able to save money by refinancing and using the equity in your home to pay off these other debts. In addition, if you have a good credit score, you may be able to get a lower interest rate, which could save you money every month.<\/span><\/p>\n<div class='avia-iframe-wrap'><iframe loading=\"lazy\" title=\"When the banks say no trust Mortgagestogo.ca Writing mortgages across Canada since 2004.\" width=\"1500\" height=\"844\" src=\"https:\/\/www.youtube.com\/embed\/WEbsFrQhwKA?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/div>\n<table>\n<tbody>\n<tr>\n<td colspan=\"2\"><span style=\"font-weight: 400;\">MortgagesToGo.ca<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Website<\/span><\/td>\n<td><a href=\"http:\/\/mortgagestogo.ca\/\"><span style=\"font-weight: 400;\">Mortgagestogo.ca<\/span><\/a><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Services<\/span><\/td>\n<td><span style=\"font-weight: 400;\">New purchase, refinancing and equity takeouts, mortgage transfer, mortgage renewal Rates<\/span><a href=\"https:\/\/mortgagestogo.ca\/mortgage-rates\/\"><span style=\"font-weight: 400;\">\u00a0<\/span><\/a><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rates<\/span><\/td>\n<td><a href=\"https:\/\/mortgagestogo.ca\/mortgage-rates\/\"><span style=\"font-weight: 400;\">https:\/\/mortgagestogo.ca\/mortgage-rates\/<\/span><\/a><span style=\"font-weight: 400;\">\u00a0<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Address<\/span><\/td>\n<td><span style=\"font-weight: 400;\">12 Royal Vista Way NW #1110, Calgary, AB T3R 0N2<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Contact Details<\/span><\/td>\n<td><span style=\"font-weight: 400;\">(888) 888-5998<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Operating Hours<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Monday &#8211; Friday 9 AM &#8211; 5 PM<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Here we will review the many reasons why you should consider refinancing your mortgage.<\/p>\n","protected":false},"author":3,"featured_media":431,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","footnotes":""},"categories":[12],"tags":[],"class_list":["post-264","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgages"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - 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