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marklavender1 · Joined: 13 Sep 2009 Posts: 120 -0.14 Dollars($)

Is it a good idea to modify your loan rather than refinance to cut down the closing cost? Especially if your are trying to reduce interest and lesson years to pay.

leeelliot61 · Joined: 13 Sep 2009 Posts: 188 0.01 Dollars($)

Refinancing can be done for:

Getting reduced interest rate
Reducing mortgage term
Merging two or more loans taken against same proerty

Loan modification
it is done to make loan affordable and to avoid foreclosure.

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