Cash-out refinance rate: This option will not offer you the opportunity to reduce the monthly payment with an attractive rate.
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An interest only mortgage requires you to pay the interest instead of principal and interest of paying for a repayment mortgage.
The guarantee requires the lender to protect the customer in case he fails to repay the loans.

Refinancing means replacing the existing mortgage with another at a lower interest rate.

Can you expect savings after the fees and costs involved in the new loan? A.
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