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When interest rates drop or your credit’s improved, there are smart money moves to consider like refinancing your mortgage. Here are five reasons to consider refinancing your home loan.

With so many variables to consider, OCCU encourages you to talk with a Mortgage Loan Officer and let them know what you are hoping to do. OCCU will do its best to find the solution that meets your needs.

If your down payment is less than 20 percent of the value of the home you'll most likely be required to carry private mortgage insurance.