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This is a beginner’s guide to home buying that highlights the importance of title and escrow companies in the process. The article provides steps to follow to successfully navigate the home-buying process.

Homeowners often consider refinancing their mortgage to take advantage of better financial options. The five common reasons to refinance include securing a lower interest rate, using an improved credit score, shortening the loan’s term, switching from an adjustable to a fixed rate, and cashing out home equity to fund a large purchase or payment. Refinancing can save money in the long run, decrease monthly payments, and allow homeowners to build equity in their homes sooner.