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Refinancing a home mortgage can be a big decision for many homeowners. Your situation and needs change over time so why shouldn't your mortgage? Now might be the right time for you to refinance into a lower rate mortgage.
FHA loans are private loans insured by the federal government. These loans are popular with borrowers who don't have enough funds to pay a traditional 20 percent down payment because they only require 3.5 percent down to qualify.