If the debt has been around for more than a year that gives you some payment records.

You are trying to sort out your finances with this mortgage refinancing, not make it more messy. Avoid lenders charge closing costs that are too high, even if they offer lower interest rates.
A mortgage refinance is something that many people use to modify their mortgage payment or even change the type of mortgage they have.

Look around you and you will be able to find low rate mortgage refinance.

Some borrowers often get a refinance rate home loan to modify the variable interest rates to fixed.
Car refinancing is the process by which a person pays an existing car loan by taking a new loan.