6 bad reasons to refinance your mortgage, according to a loan officer - Business Insider

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No matter how low interest rates get, sometimes refinancing just doesn't make sense

Sometimes adjustable rates typically start lower than fixed rates. You may be tempted to refinance from a fixed-rate mortgage into an ARM so you can score low rates for the first five, seven, or 10 years, and have lower monthly payments in the short-term.

"I really wouldn't recommend that," English said. "Is there ever a time? Sure. But would I recommend it? Absolutely not. The stock market, much like real estate, is cyclical. And there are things that you just can't predict." could be a good way to tap into your home equity and pocket money for other expenses. But you should think carefully about which costs are worth refinancing and which aren't.

Ultimately, it's up to you whether an expense constitutes refinancing. Just be sure to weigh the pros and cons.If your finances have taken a hit during the coronavirus, you may be thinking about refinancing to cut costs. The only problem is that it might not be possible. If you've already lost income, your lender probably won't approve your application.

 

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