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Mortgage Refinance Loans: Compare Multiple Offers Today. – When you refinance your mortgage, you have two options: You can refinance your existing loan to a new loan with a new rate and term (known as a traditional mortgage refinance), or you can take out above and beyond what you owe on your current mortgage to put some extra cash in your pocket (also known as a cash-out refinance). Of course, if you do opt to take out cash from your home, your loan balance will be greater and your monthly payment will likely increase.
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