Authored By: Maggie OverholtThe Mortgage Reports contributorMaggie Overholt is a former Editor at The Mortgage Reports, where she helps make complex topics more approachable. She has also written for publications specializing in insurance and personal finance.Updated By: Aleksandra KadzielawskiThe Mortgage Reports EditorAleksandra is endlessly curious about the housing market and loves turning what she learns into helpful content. She's a DePaul alum, licensed real estate agent, and NAR member who traded Chicago winters for Phoenix sunshine.Step by step guideRefinancing Your HomeMortgage Refinance BasicsWhat is a mortgage refinance, and how does refinancing work?How Soon Can You Refinance a Mortgage? | 2025How often can you refinance your home?How long does it take to refinance a house in 2025?The best way to refinance a mortgage: 6 Tips to save moneyShould You Refinance?Is refinancing your mortgage worth it?When Is It Worth It to Refinance Your Mortgage? | 2025Is it worth refinancing to save $100 a month?Refinance your mortgage without starting over at 30 yearsRefinancing a mortgage with bad credit: When it’s worth it (and when it’s not)Refinancing your ARM when it’s about to resetRefinance Rate ShoppingHow to Find Your Best Refinance Rate in 7 Steps | 2025Is it better to refinance with your current lender?How to get a no-closing-cost mortgage or refinanceChoosing The Right Refi ProgramConventional vs. FHA vs. VA refinance: Which refi program is best for you?How to choose the right type of refinance for youStreamline Refinance Guide for 2025: Process and BenefitsWant to pay off your mortgage early? Consider a 15-year refinanceMortgage Relief and Mortgage Assistance Grants | 2025Mortgage recast: Lower your mortgage payment without refinancingRefinance To Get Rid Of PMIHow to get rid of PMI: Removing private mortgage insuranceHow to Remove FHA Mortgage Insurance | 2025Cash-Out RefinanceCash-Out Refinance Guide: Requirements and Rates for 2025Cash-out refinance examples: How to use your home equityCash-out refinance vs. home equity loan: Pros and consHow to Get Equity Out of Your Home Without Refinancing | 2025Conventional RefinanceConventional Refinance Rates and Guidelines for 2025HARP replacement programs: 2025 Refinance optionsFHA RefinanceFHA Streamline Refinance: Rates & Requirements for 2025FHA Cash-Out Refinance | Rates & Guide 2025VA RefinanceVA IRRRL | Guidelines, Requirements & Rates 2025VA Cash-Out Refinance | Rates & Guidelines 2025USDA RefinanceCan You Refinance a USDA Loan or Mortgage? | 2025USDA streamline refinance program: Now available in all 50 statesThe Refinance ProcessMortgage refinance checklist: Everything you need to refinance your home [PDF]How should I apply for a mortgage refinance: in person, by phone or online?No-appraisal refinance: How to refinance without an appraisalLow home appraisal ruining your purchase or refinance? Here’s what to doClosing On A Mortgage RefinanceCan You Roll Closing Costs Into Your Mortgage?How to rush your mortgage to the closing tableSigning your final loan documents: what to look forI refinanced, and my previous lender owes me an escrow refund, Funds from HAF may be used for assistance with mortgage payments, homeowner’s insurance, utility payments, and other specified purposes. Through June 2024, HAF-funded programs have assisted over 549,000 homeowners , helping to prevent mortgage delinquencies and defaults, foreclosures, losses of utilities and home energy services, and , Mortgage assistance, on the other hand, often points more specifically to external support mechanisms, such as financial aid from government programs, grants, interest-free loans, or counseling .