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The Pros and Cons of Refinancing – Live Like You Are Rich – My pros and cons to refinancing. If you are in a life changing situation as mentioned above perhaps refinancing is the wisest thing to do. But I found that in most cases you could pay your mortgage off faster by applying what you were going to spend on the refinancing fees to the principal and/or by setting up a higher payment plan.
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The Pros and Cons to Refinancing Your Mortgage – What are the pros and cons to refinancing your mortgage? The reasons you SHOULD refinance – Pro. If your credit and income situation are strong enough, and your home has sufficient equity, there are several tangible benefits to refinancing your mortgage. Lower house payment. The most obvious reason to refinance is to lower your house payment.