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1 The Pros and Cons of Switching Lenders When You ... - Money
https://money.com/mortgage-refinance-best-rate-new-lender-flip/
You're not required to refinance with your original lender, but whether it makes sense to switch to a different one depends on your ...
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2 3 Reasons to Switch Mortgage Lenders When You Refinance
https://www.fool.com/the-ascent/mortgages/articles/3-reasons-switch-mortgage-lenders-when-you-refinance/
It could pay to refinance with a new mortgage lender, even if you've been working with your current lender for years.
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3 Home Mortgage Refinance
https://www.changemtg.com/refinance
Refinancing gives you access to the equity you've built in your home. With a variety of options for our borrowers, Change Home Mortgage helps you determine ...
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4 Can I Change My Mortgage Loan Servicer?
https://www.americanfinancing.net/mortgage-basics/change-mortgage-servicer
Now for the direct answer. The only way to change mortgage servicers is to refinance your loan and move to a lender that services the loans they originate. Keep ...
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5 Can I switch mortgage lenders after locking my loan?
https://themortgagereports.com/47857/can-i-switch-mortgage-lenders-after-locking-my-loan
Know that you're free to switch lenders at any time during the process; you're not committed to a lender until you've actually signed the closing papers. But if ...
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6 Can You Switch Mortgage Lenders Before Closing?
https://money.usnews.com/loans/mortgages/articles/can-you-switch-mortgage-lenders-before-closing
As the borrower, you have the right to switch mortgage lenders at any time before you sign the loan contract. Still, it's best to do your ...
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7 Should You Refinance With the Same Lender? - Experian
https://www.experian.com/blogs/ask-experian/should-you-refinance-with-same-lender/
When refinancing your mortgage loan, you can stick with the same lender or switch to a new one. It can potentially help you get a better ...
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8 Should You Refinance With The Same Lender? - Bankrate.com
https://www.bankrate.com/mortgages/refinance-with-your-current-lender/
Yes, you can usually refinance with the same lender that you originally got a loan through. But keep in mind our mortgage lender is the ...
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9 Should You Refinance With the Same Lender? | LendingTree
https://www.lendingtree.com/home/refinance/should-you-refinance-with-same-lender/
Choosing to refinance with the same lender can feel like the simplest and most streamlined solution to replace your existing mortgage, ...
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10 Switching Terms with a Refinance | NJ Lenders Corp.
https://www.njlenders.com/blog/can-i-still-refinance-switching-terms-with-a-refinance
In order to change the terms of your mortgage, you have to refinance. Refinancing is when another lender agrees to buy out your existing mortgage with a new ...
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11 Should I Change Lenders when I Refinance or Stay with my Lender?
https://www.benchmarkmortgage.com/blog/46881/refinancing-a-home/should-i-stay-with-my-current-lender-when-i-refinance
Even though they have been inching up, mortgage interest rates still remain near historic lows, making it an excellent time to refinance.
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12 Switching Mortgage Lenders Before Closing? Here's What ...
https://www.homelight.com/blog/buyer-switching-mortgage-lenders-before-closing/
First things first. Yes, it is possible to switch lenders before closing. However, switching lenders may — and most likely will — cause a ...
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13 Can You Switch Mortgage Lenders After Being Preapproved?
https://www.mortgageloan.com/can-you-switch-mortgage-lenders-after-being-preapproved
A drop in mortgage interest rates is the biggest reason to switch lenders. Still, your current lender may be able to move your loan to a lower interest rate ...
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14 Switching home loans - Moneysmart.gov.au
https://moneysmart.gov.au/home-loans/switching-home-loans
Tell your current lender you are planning to switch to a cheaper loan offered by a different lender. To keep your business, your lender may reduce the interest ...
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15 Should You Refinance With the Same Lender? - Credible
https://www.credible.com/blog/mortgages/should-you-refinance-with-same-lender/
Sometimes change can be a good thing. Switching your mortgage lender might be a good idea if it can't close your loan quickly, offers bad ...
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16 Should You Switch Mortgage Lenders Before Closing?
https://www.thebalancemoney.com/should-you-switch-mortgage-lenders-before-closing-4590231
You have the right to change lenders anytime in the process before you close on your loan. Before you switch, you should consider the potential ...
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17 Best Mortgage Refinance Lenders of November 2022
https://www.nerdwallet.com/best/mortgages/refinance-lenders
Best Mortgage Refinance Lenders ; Rocket Mortgage, LLC: NMLS#3030. Learn more. at Rocket Mortgage, LLC · Best for refi loan options · CASHOUT: ...
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18 How to Change Mortgage Companies - Home Guides
https://homeguides.sfgate.com/change-mortgage-companies-39225.html
Call or visit your lender to discuss a new home loan. Inform your lender of your desire to change mortgage companies. Explain your reason for wanting to switch ...
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19 Can I change my mind after I sign the loan closing documents ...
https://www.consumerfinance.gov/ask-cfpb/can-i-change-my-mind-after-i-sign-the-loan-closing-documents-for-my-second-mortgage-or-refinance-what-is-the-right-of-rescission-en-186/
Can I change my mind after I sign the loan closing documents for my second mortgage or refinance? What is the "right of rescission?" · You must ...
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20 Can You Really Change Your Mortgage Lender Before Closing?
https://firstfidelis.com/can-you-really-change-your-mortgage-lender-before-closing/
Common Reasons Buyers Switch Mortgage Lenders · Lower rates through another lender will save the buyer thousands of dollars throughout the ...
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21 Cash-Out Refinance Loan - Veterans Affairs
https://www.va.gov/housing-assistance/home-loans/loan-types/cash-out-loan/
A VA-backed cash-out refinance loan lets you replace your current loan ... While your lender can advise you on the costs and benefits of the ...
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22 Complaints About Banks and Lenders | USAGov
https://www.usa.gov/complaints-lender
Learn how to complain about a problem with a bank or a lending company, such as a mortgage provider.
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23 The Pros and Cons of Refinancing Your Home - CNBC
https://www.cnbc.com/select/pros-and-cons-of-refinancing-home/
Other times, homeowners want to refinance in order to change the term of their ... The mortgage lender Freddie Mac suggests budgeting about $5,000 for ...
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24 RefiNow: Expanding refinance eligibility for qualifying ...
https://singlefamily.fanniemae.com/originating-underwriting/mortgage-products/refinow-expanding-refinance-eligibility-qualifying-homeowners
Fannie Mae's expects lenders to help borrowers understand the benefit of RefiNow and the total cost of the refinance over the life of the loan.
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25 Can a Mortgage Company Change the Terms? - Investopedia
https://www.investopedia.com/articles/personal-finance/022117/can-mortgage-company-change-terms.asp
When Terms Can Change Before Closing · Homeowner's insurance premiums, escrow payments, and prepaid interest · Fees for services required by the lender, such as ...
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26 Can I Change My Job Prior To Buying A Home? | 2022
https://mymortgageinsider.com/job-change-prior-to-closing-what-to-do/
Even once your loan has been approved, be cautious about changing employment. Many lenders will do a final check to verify your employment and ...
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27 Cash Out Refinance vs Home Equity Line of Credit
https://www.bankofamerica.com/mortgage/learn/cash-out-refinance/
Cash-out refinance is available through either a fixed-rate mortgage or an adjustable-rate mortgage. Your lender can provide information about fixed-rate ...
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28 Can I change my car loan to another bank? - Jerry
https://getjerry.com/questions/can-i-change-my-car-loan-to-another-bank
Some lenders will charge a processing fee for refinancing a loan. Do the math to ensure fees don't negate the purpose of refinancing (i.e., saving money on the ...
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29 When Should You Refinance a Home? - Forbes
https://www.forbes.com/advisor/mortgages/refinance/when-should-you-refinance-a-home/
Refinancing to Switch from an Adjustable-Rate to a Fixed-Rate Loan, ... Mortgage refinance closing costs can vary by lender as well as how ...
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30 How to refinance your mortgage | CNN Underscored
https://www.cnn.com/cnn-underscored/money/how-to-refinance-mortgage
Sometimes a lender might offer a “no closing costs” refinance ... which the interest rate does not change for the entire length of the loan.
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31 Mortgage refinancing: Everything you need to know - CBS News
https://www.cbsnews.com/news/mortgage-refinancing-everything-to-know/
Your new loan - which can originate from the same lender or a different lender - serves to pay off the old mortgage, which is completely ...
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32 Should You Refinance With the Same Lender?
https://www.atlanticbay.com/knowledge-center/refinance-with-same-lender
Because a lot of things can change over time, refinancing can replace your old loan with an updated one that better aligns with your current financial ...
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33 Refinancing a Home 101: Is it Right for Your Mortgage? | Trulia
https://www.trulia.com/guides/refinancing-a-home/
1. Learn the refinance strategies. · 2. Decide if refinancing is beneficial. · 3. Find out your credit score. · 4. Contact mortgage lenders. · 5. Apply for the loan ...
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34 Your Current Lender Desperately Wants You to Refinance ...
https://selfi.com/why-your-lender-wants-you-to-refinance/
Your servicer wants to refinance your mortgage for two reasons: 1) to make money; and 2) to avoid you leaving their servicing portfolio for ...
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35 Home loans: Refinance or apply for a mortgage | Chase.com
https://www.chase.com/personal/mortgage
All home lending products are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice.
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36 Can You Refinance a Car Loan? - Progressive
https://www.progressive.com/answers/refinancing-a-car-loan/
Generally, interest rates change over time. Also, some lenders make limited-time offers with special rates for refinancing. A lower interest rate means ...
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37 Mortgage Lending and Refinancing | Home Loan Options
https://www.laurelroad.com/mortgage/
Information and offer are subject to change without notice. All loans are subject to credit and collateral approval. MORTGAGE TERMS AND CONDITIONS. Lender ...
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38 Guaranteed Rate: Mortgages, Loans, Home Buying ...
https://www.rate.com/
Guaranteed Rate assists you with a low cost home purchase, refinance mortgage & fast closings. See why Guaranteed Rate is the best mortgage lender in the ...
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39 Is It Best To Refinance Your Car With Your Current Lender?
https://freedomcu.org/saving-money/is-it-best-to-refinance-your-car-with-your-current-lender/
Change almost always brings with it a certain amount of risk, and changing lenders is no exception. As much as you might read reviews and analyze a new lender's ...
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40 Here's What Happens To Escrow When You Refinance
https://ibuyer.com/home-equity-refi/what-happens-to-escrow-when-you-refinance.html
So, like everything else, escrow does change when refinancing a house. ... Typically, escrow is agreed upon by both the buyer and the lender at the time of ...
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41 How to Refinance Your Mortgage in 8 Steps - Time
https://time.com/nextadvisor/mortgages/refinance/how-to-refinance-your-mortgage/
A mortgage refinance is when you take out a home loan to replace your existing mortgage. The new mortgage can be taken out with your current ...
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42 Do I Need to Repurchase Title Insurance When I Refinance?
https://better.com/faq/title-and-settlement-services/do-i-need-to-repurchase-title-insurance-when-i-refinance
When you refinance your mortgage, you are required to purchase lender's title insurance to protect your lender for the new loan. Depending on the state you ...
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43 Beginners Guide to Refinancing Your Mortgage
https://www.mortgagecalculator.org/helpful-advice/what-is-a-refinancing.php
Getting a new mortgage to replace the original is called refinancing. Refinancing is done to allow a borrower to obtain a better interest term and rate.
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44 Refinance Student Loans: Compare Top 9 Lenders Now
https://studentloanhero.com/featured/5-banks-to-refinance-your-student-loans/
Rates and terms are also subject to change at any time without notice. Offers are subject to credit approval. To qualify, a borrower must be a U.S. citizen or ...
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45 Pros & Cons Refinancing Home Loan
https://greaternevadamortgage.com/mortgage-resources/should-you-refinance-the-pros-and-cons-help-decide/
When refinancing, you can change lenders or stay with your current lender. There can be several reasons to refinance including: Shortening the term of your ...
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46 Refinance for a Great Rate…Without Having to Change ...
https://www.scfsolutions.com.au/blog/refinance-home-loan-with-current-lender/
If you're one of the many homeowners who love their lender but not their interest rate, then don't worry, there's good news. By working with an experienced ...
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47 GCA Mortgage | Mortgage Experts With No Overlays
https://gustancho.com/
Gustan Cho Associates, Inc. Are Mortgage Lenders Licensed in 48 States ... Non-QM Loan, Cash Out Refinance, FHA Loan, Conventional Loan, Investment Loan is ...
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48 Can You Refinance a Car Loan With the Same Lender?
https://lanterncredit.com/auto-loans/refinance-car-loan-with-same-lender
If you're thinking of refinancing, you may be wondering, Can I refinance my car with the same lender? In most cases, the answer is yes — but that doesn't mean ...
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49 How New Job Affects Getting Mortgage | New American Funding
https://www.newamericanfunding.com/blog/how-new-job-affects-getting-mortgage/
You may think that you can't buy a house or refinance your mortgage ... Lenders may also analyze more closely job changes in which the type ...
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50 What it Means to Refinance Your Mortgage | Central Bank
https://www.centralbank.net/learning-center/what-does-it-mean-to-refinance-your-mortgage/
When you refinance your mortgage, your bank or lender pays off your old mortgage with the new one; this is the reason for the term refinancing. Most borrowers ...
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51 Mortgages and Refinancing | Justia
https://www.justia.com/real-estate/home-ownership/owning-a-home/mortgages-and-refinancing/
The mortgage places a lien on the property so that the lender can cause a ... mortgage loan (ARM) is riskier because the payment can change, ...
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52 The Difference Between Purchase and Refinance Mortgages
https://www.jvmlending.com/blog/difference-between-purchase-and-refinance-mortgages/
Rate/Term Refinance: A rate and term refinance is the refinancing of an existing mortgage to lower the interest rate or change the loan duration ...
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53 Why is Title Insurance Necessary During a Refinance? - Amrock
https://www.amrock.com/posts/title-insurance-refinance
If you decide to refinance your home, even through the same lender that originated your current loan, you'll likely be expected to pay closing ...
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54 How Does Mortgage Refinancing Work? Do You Want a ...
https://www.thetruthaboutmortgage.com/how-does-refinancing-work/
You may choose to obtain this new mortgage from the same bank (or loan servicer) that held your old loan, or you may refinance your home loan ...
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55 Five trends reshaping the US home mortgage industry
https://www.mckinsey.com/industries/private-equity-and-principal-investors/our-insights/five-trends-reshaping-the-us-home-mortgage-industry
Although a rise in rates would cool refinance activity, banks, nonbank lenders, and mortgage industry investors are likely to continue ...
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56 What To Do If Lender Goes Quiet During Mortgage Process
https://www.freeandclear.com/community/what-to-do-if-lender-goes-quiet-during-mortgage-process
If you decide to change lenders, we recommend that you contact multiple lenders in the table below to understand how they would handle your ...
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57 Wells Fargo Rejected Half Its Black Applicants in Mortgage ...
https://www.bloomberg.com/graphics/2022-wells-fargo-black-home-loan-refinancing/
Disparity by Lender. Wells Fargo approved fewer than half of Black homeowners' refinancing applications in 2020. · Home Loan Refinance Gap.
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58 How Does Escrow Work When Refinancing?
https://www.citrusheritageescrow.com/how-does-escrow-work-when-refinancing/
In a mortgage refinance, you obtain a new loan to pay off a current home loan debt. Depending on the type of refinance loan, the new lender ...
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59 How Soon Can You Refinance a Mortgage After Purchasing a ...
https://www.totalmortgage.com/total-path/refinance-mortgage-soon-after-purchase
However, most lenders won't refinance a mortgage they issued in the last 120-180 days, ... Switching loan types is helpful when your situation changes.
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60 Mortgage Refinancing | Wells Fargo
https://www.wellsfargo.com/mortgage/mortgage-refinance/
Your needs can change — so can your mortgage loan. Talk to us about how refinancing your mortgage could lower your rate and payment or cash out your equity.
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61 Refinancing? Should You Keep or Switch Lenders?
https://www.grfcpa.com/resource/keep-or-switch-lenders/
Thinking about refinancing? If so, you may wonder whether you should keep the same lender. When you refinance, you pay off your existing ...
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62 What Does It Mean to Refinance a Loan? - ValuePenguin
https://www.valuepenguin.com/loans/refinancing-a-loan-what-it-means
Refinancing a loan allows a borrower to replace their current debt obligation with one that has more favorable terms. Through this process, a ...
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63 What Happens to my Home Insurance when I Refinance?
https://www.berryinsurance.com/blog/refinancing-homeowners-insurance-video
Since nothing will have changed with your home besides the lender, the only thing that needs to be updated is the new lender information ...
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64 How to remove a name from a mortgage without refinancing
https://ourfamilyplace.com/remove-name-from-mortgage-without-refinancing/
You can request that you get a loan modification from your lender. This may seem like refinancing, but it involves the parties on the mortgage ...
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65 Refinance Your Reverse Mortgage: 2022 Limits & Lower Rates!
https://reverse.mortgage/refinance
No. While reverse mortgages do allow for subordinate financing, you will not likely find a lending institution interested in lending a second ...
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66 Refinance Certificate Change - National MI
https://www.nationalmi.com/refi-cert-change/
Non-GSE Refinance Certificate Change: Applies to loans not owned or guaranteed by the GSEs and/or are maintained in a lender's own portfolio.
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67 Why Was My Mortgage Sold to Another Company? - PennyMac
https://www.pennymac.com/blog/why-was-my-mortgage-sold-to-another-company
Different Features: When your lender changes, there is the potential ... If you are in the process of a loan modification or refinance when ...
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68 Questions and Answers - FFIEC
https://www.ffiec.gov/hmda/faqreg.htm
Refinancing --- cash out for home improvement. How should a lender code a dwelling-secured loan when the borrower uses the funds both to pay off an existing ...
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69 Guide To Getting A Mortgage With A New Job - Quicken Loans
https://www.quickenloans.com/learn/getting-a-mortgage-with-a-new-job
Let's discuss how lenders look at employment and how a new job or change in career might affect your mortgage qualification.
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70 Refinance or Modify | MyCreditUnion.gov
https://www.mycreditunion.gov/life-events/home-ownership/owning/refinance-modify
For costs associated with closing the loan for the lender. Prepayment penalty. Fee for paying off an existing mortgage early. Loans insured or ...
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71 Title Insurance and Refinancing? - Landmark Abstract
https://www.landmarkabstract.com/blog/title-insurance-and-refinancing/
No matter what the reason you are looking to refinance it is important to know that your lender will still likely require you to purchase a ...
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72 Refinancing or Buying Out Your Spouse: Insights ... - DivorceNet
https://www.divorcenet.com/states/nationwide/insights_from_a_mortgage_lender
Refinancing or Buying Out Your Spouse: Insights from a Mortgage Lender ... The mortgage industry has undergone dramatic changes since the housing bubble ...
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73 Should I Refinance My Mortgage?
https://www.freedommortgage.com/learning-center/articles/should-i-refinance-mortgage
Learn the reasons why you should - or shouldn't - refinance your mortgage. Insights from Freedom Mortgage. ... This can happen when you change lenders.
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74 CrossCountry Mortgage | Your Home Loan Destination
https://crosscountrymortgage.com/
Compare home mortgage loan options to buy a home or refinance your mortgage. Apply online now to get started with CrossCountry ...
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75 Mortgage refinance: Compare lenders & save cash - Finder.com
https://www.finder.com/mortgages/mortgage-refinancing
Refinancing is when you replace your mortgage with a new one with better rates and terms. You can refinance your loan under your current lender ...
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76 Regulation Z Truth in Lending Introduction Background and ...
https://www.federalreserve.gov/boarddocs/caletters/2008/0805/08-05_attachment1.pdf
Regulation Z was amended on September 14, 1996 to incorporate changes to the ... high-cost mortgage loan, a creditor may not refinance any high-cost ...
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77 Mortgage and Home Loans - USAA
https://www.usaa.com/inet/wc/bank-real-estate-mortgage-loans
Refinancing either to lower the monthly payment or change from a variable-rate to a fixed-rate loan could result in an increase in the total number of monthly ...
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78 Refinance Your Mortgage | Schwab Bank
https://www.schwab.com/mortgages/mortgage-refinance
From home loans to refinancing, we've got you covered. Get Started. Equal Housing Lender Logo. Home loans provided by Rocket Mortgage. Purchase a home ...
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79 How to Refinance a Personal Loan | LendingClub
https://www.lendingclub.com/loans/resource-center/personal-loan-refinance
Lenders may offer lower or higher interest rates based on changing benchmark interest rates and competition in the market. Even if your credit picture ...
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80 Can You Move Your Mortgage to Another Bank? - MoneyTips
https://moneytips.com/can-you-move-your-mortgage/
If your issue is with the terms of your loan, you can't move to another lender without refinancing (we'll go into that later). If your issue is ...
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81 Section C. Streamline Refinances Overview - HUD
https://www.hud.gov/sites/documents/4155-1_6_SECC.PDF
Lenders may solicit and process streamline refinance applications ... when a change in the mortgage term will result in an increase in the.
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82 How to switch mortgage companies without refinancing - Quora
https://www.quora.com/How-can-you-switch-mortgage-companies-without-refinancing
Short answer: In the US, you cannot switch mortgage companies without refinancing. Longer answer: In the US, the servicing rights to your mortgage do not ...
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83 How Soon Can I Refinance My Mortgage? - Assurance Financial
https://assurancemortgage.com/how-soon-can-i-refinance-my-mortgage/
In some cases, you can call the lender, but just a phone call may not be enough. If rates have also changed, you may want to refinance to get rid of the PMI ...
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84 Home Refinancing: What Does a Title Company Do?
https://www.bntc.com/the-role-of-a-title-company-in-refinancing/
Refinancing involves coordinating with a lender to reduce your mortgage payments. Additionally, a person might refinance their home if they ...
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85 When and How to Refinance a Personal Loan - Credit Karma
https://www.creditkarma.com/personal-loans/i/refinance-personal-loan
When you refinance a personal loan, you replace your existing loan with a new one. You may be able to refinance with the same bank or lender ...
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86 Mortgage FAQs | Navy Federal Credit Union
https://www.navyfederal.org/loans-cards/mortgage/frequently-asked-questions.html
If you're planning to refinance your home, closing times are estimated to take ... lender must be within 3 calendar days of the rate lock with Navy Federal.
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87 Refinancing a Home Loan: What You Should Know Beforehand
https://phxhomeloan.com/refinance-home-loan/
The underwriting process begins soon after you submit your application. At this stage, your lender reviews the information and documents you supplied to make ...
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88 6 Tips to Consider When Shopping for a Lender - Freddie Mac
https://myhome.freddiemac.com/blog/homeownership/6-tips-consider-when-shopping-lender
Different lenders will offer different terms and charge different fees for a home loan, whether you're buying or refinancing.
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89 1st Florida Lending I Refinancing Your Mortgage
https://www.1floridalending.com/refinancing-your-mortgage.html
Mortgage refinancing can help you change your loan terms or put home equity to work. Refinancing your mortgage is replacing your current mortgage with a new ...
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90 How to Move Your Student Loans to a Different Lender or ...
https://www.savingforcollege.com/article/how-to-move-your-student-loans-to-a-different-lender-or-servicer
You can't change the servicers on a private student loan, but you can refinance them (sometimes called a private consolidation) with another ...
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91 Can I Refinance My Car with the Same Lender? - R1CU
https://www.r1cu.org/can-i-refinance-my-car-with-the-same-lender/
Refinancing can help you get a lower interest rate on your car loan, give you more manageable monthly payments, and even change the timeline ...
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92 Beware of This Common Mistake When Refinancing Your Home
https://www.snyderlawpc.com/beware-of-this-common-mistake-when-refinancing-your-home/
If you notice, every time your loan is sold in the future to other lenders, a new Deed of Trust will be recorded and a copy mailed to you.
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93 Home Equity & Mortgage Refinance Loans Lender, High ...
https://www.superiorcu.com/

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94 What I Learned When I Tried to Refinance My Mortgage
https://www.northwesternmutual.com/life-and-money/what-i-learned-when-i-tried-to-refinance-my-mortgage/
Although a recast won't change your interest rate, your lender will recast your mortgage payments based on the new balance and existing terms, ...
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95 Realtor Wants Me To Switch Mortgage Lenders?? First Time ...
https://www.youtube.com/watch?v=0Js4q0Tef0E
Jennifer Beeston
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96 This Is When You Know It's Time to Switch Mortgage Lenders
https://www.gobankingrates.com/loans/mortgage/when-time-switch-mortgage-lenders-q-a/
Whether you're tempted by an offer to refinance, want to release equity in your home, or don't like the way your homebuying experience is going, ...
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97 Refinancing vs a Mortgage Switch | Chris Allard
https://www.chrisallard.ca/mortgage-tips/refinancing-info/the-difference-between-a-refinance-and-a-mortgage-switch/
Contrary to popular belief, you can choose to refinance with either a new lender or stay with your current one. Refinancing with a new lender can be done ...
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98 10 Errors to Avoid When Refinancing a Mortgage
https://www.whitecoatinvestor.com/10-errors-to-avoid-when-refinancing/
Another place a lender tried to burn me in the past was changing my loan from one without a pre-payment penalty to one with a pre-payment ...
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