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Many homeowners take cash out to pay off high-interest debt or make home improvements.

However, refinancing to get cash out or consolidate your debt may result in a longer loan term or a higher rate, and that might mean paying more in interest overall in the long run.If the current value of your home is greater than your current mortgage balance, it means you have equity in your home.You may be able to use this equity to refinance your current mortgage and receive cash at a low interest rate to pay off your credit card debt.Unfortunately, taking on additional debt is not always manageable.This is where refinancing to a debt consolidation home loan may be useful.

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