There is a lot of creative financing available, which can save you money and lower your payments. Refinancing is always available, but it will cost money. If you have an outstanding note now, however, and if it is over 8 percent you should consider refinancing. Check out Mortgage 101 for more detailed information about financing your new home. You can not just look at interest rates and points.
Lenders often supplement their rates by charging high fees.
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