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It’s a big decision. And it’s based on a thoughtful analysis of a number of factors. But if you think through all the issues and understand exactly what you’re trying to accomplish, you’ll be ready to answer the ultimate question: Will refinancing your mortgage help you achieve your goals?

Rates. Closing costs. Short-term expenses. Long-term gains. Let’s face it: There are a lot of financial factors to consider when you’re thinking about refinancing a mortgage. That’s why we prepared this quick reference. It will help you understand the big issues, consider your options, and decide whether it makes sense for you to refinance.