Some property owners might never ever re-finance while others may re-finance frequently. This is a choice which is mostly a matter of personal choice. Sure there are some financial benefits which might result from re-financing but for some homeowners these benefits are unworthy the hassle of going through a mortgage re-finance. For these homeowners the quantity of savings general or the opportunity to decrease monthly payments is just not worth the effort of investigating the re-financing options, window shopping for lenders and paying closing expenses to get a re-finance

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