Usually this is done with different (and ideally better) interest rates or terms.
But, if you're willing to do a little work, it will be possible for you to get a loan refinancing poor credit!.

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As refinancing fixed-rate mortgages with variable rates are also very popular.
Nobody can predict what interest rates will do, and your situation is different from any other.

If you are having a difficult time making a decision, that's when you can ask your bank mortgage assistance.

Generally, when you use a mortgage operational, you will get the participation rate as possible.