J. D. Vance

We spend our way to the poorhouse. We buy giant TVs and iPads. Our children wear nice clothes thanks to high-interest credit cards and payday loans. We purchase homes we don't need, refinance them for more spending money, and declare bankruptcy, often leaving them full of garbage in our wake. Thrift is inimical to our being.

American Author

Aaron Patzer

Mint's business model became, 'We'll go for free, and then we'll find these savings opportunities for you.' You know, better interest rate on your credit cards, when should you consolidate your student loans, when does it mathematically make sense to refinance your mortgage, and Mint figures all that stuff out for you.

American Businessman

Jean Chatzky

If your appraisal comes back too low - you don't have at least 10% equity for a conforming loan or 20% for a jumbo loan - you might not be able to refinance at all, at least with a loan that's packaged and sold to Fannie Mae and Freddie Mac. That means you may have to pay a much higher rate.

American Journalist

Maggie Hassan

I am disappointed that Senator Ayotte has voted repeatedly for deep cuts in Pell Grants that would make college more expensive for thousands of New Hampshire students and voted against allowing young people to refinance their student loans.

American Politician

Kayla Tausche

When SoFi launched in 2011, it focused squarely on the burgeoning student loan market - a market that, unlike housing, had no viable option to refinance both federal and private student loans from higher interest-rate eras.

Franklin Raines

Right now we think that rates will stay low, that you'll be able to get a mortgage below seven percent and that's kicked off a refinance boom that's going to put more money in the pockets of consumers.

Ben Bernanke

The decline in home equity makes it more difficult for struggling homeowners to refinance and reduces the financial incentive of stressed borrowers to remain in their homes.

American Public Servant

Elizabeth Warren

Homeowners refinance their loans when interest rates go down. Businesses refinance their loans.

Refinancing is a financial strategy to save money or adjust payment terms.

Financial Decision

Refinancing is common when interest rates fall to secure lower rates.

Interest Rates

Refinancing aims to negotiate better loan terms, like duration or payment structure.

Improved Terms

 Barack To help families refinance their homes, to invest in things like high-tech manufacturing, clean energy and the infrastructure that creates good new jobs. Supasorn Anyone? The answer is none of them. None of these is actually real. So let me tell you how we got here.

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 service the debt and you can pay the interest that's coming due and you can have access to the market and you can refinance the the maturities that are following you then it's sustainable it's only becomes a problem as we said when

Refinance

Financial Decision

Interest Rates

Improved Terms

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