However, you must wait at least two years for a bankruptcy and three years for a foreclosure.
And after calculating all the costs of refinancing and you see a "power saving" in the loan.
It provides an estimate of the price that can be obtained by selling the property.

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It would be wise to refinance when the current market rate is lower than the prevailing market rate of 1.5% or more points.
In this case, you will find it difficult to get lenders to the second mortgage.

Home refinancing is very easy for those who have a good credit rating, but for those who have bad credit, it can increase the difficulty when the home owner looking for a home loan.