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5 Ways Rich People Make Money With DebtWhen To Refinance A Mortgage � When Interest Rates Are Low � When Your Credit Score Increases � When You Need To Add Or Remove A Borrower � When. When you can refinance a mortgage depends on your loan type. You may have to wait up to 12 months. Learn how soon you can refinance your. For most borrowers, the ideal time to refinance is when market rates have fallen below the rate on their current loan. If you want to refinance.
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