This is definitely an option to check in because there is a huge difference between paying 21% interest over 7%.

The process of refinancing your home is actually a very straight forward.

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You should not expect less because after all, your home is your castle.
Adding to your 80/20 mortgage some lenders offer financing for 103% of the invoice to your home.

Many borrowers prefer to stick with their current lender because of the familiarity that lender provides.