Home Buying: Refinance or Buy New?

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There seems to be a crossroads that many homeowners reach after being in a home a few years: should you refinance your current mortgage or buy a new home?

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If you feel your current home will serve your needs for at least 3 more years, stay put.� If your financial situation needs some work, consider a refinance.� It's especially important to refinance before you miss any payments or have a significant change in income or credit.� A cash-out refinance which consolidates all your debt into your mortgage could free up a lot of cash.� Ask a mortgage professional about interest-only loans.� You can weather a financial storm with an interest-only mortgage and pay on the principal when you’ve got the available money.

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If you anticipate any significant events in the next 3-5 years, think about the kind of home you’ll need.� Do you need to downsize or upgrade?� Tired of climbing the stairs in your 2-story home?� Consider a ranch-style home.

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This common question can be answered by assessing your goals and if your home fits in with them.� After you do that, it will be much easier to determine if you should refinance or buy a new home.

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