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If you’re serious about refinancing, contemplate the drawbacks rigorously. You’ll must pay for an appraisal, origination fees, taxes and different closing-related costs. And unless you refinance your mortgage for a shorter term, you’ll be extending the life of your loan, meaning it will take you longer to pay it off. In basic, refinancing is only a good idea when you can safe a decrease interest rate than what you pay now.

If you see a …