Learn the basics of refinancing

Knowing if and when to refinance is key. This video addresses several questions to help you determine if refinancing is right for you.

 

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  • Determine what you can afford and focus your house-hunting efforts
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To calculate your debt-to-income ratio, add up all your monthly debt payments and divide them by your gross monthly income.

Private Mortgage Insurance (PMI) is a policy which protects lenders or investors from possible loan default and is determined based on the loan to value ratio of the loan in question.

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To calculate your debt-to-income ratio, add up all your monthly debt payments and divide them by your gross monthly income.

Private Mortgage Insurance (PMI) is a policy which protects lenders or investors from possible loan default and is determined based on the loan to value ratio of the loan in question.