how many times can i refinance

The home refinance can accomplish many goals for your family. But you have to make sure the timing and the mortgage product match your needs.

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While the answer to "How many times can you refinance a student loan?" might be "As many times as you want," it’s a different story when you ask how often should you refinance student loans. refinancing multiple times could save you money, but there are some potential pitfalls as well. Here are the two main ones:

The short answer: it depends. Although many lenders might not have any restrictions on when you can refinance your car, others might not feel comfortable refinancing a brand new loan. "At LendingClub, the minimum is 90 days," says Alia Dudum, a spokesperson for LendingClub.

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You can refinance as many times and as often as you want, as long as a lender will do the refinancing. Pay attention, though, to any fees and the dollar cost of the total interest you would pay. Know how much refinancing will cost you, including the APR in a total dollar amount, to see if it’s worth doing.

"A homeowner can refinance their mortgage as many times as they would like, but they should establish objectives and find a product that meets their unique financial situation," Rodriguez says. "For example, a shorter term loan will have a lower interest rate than a 30-year fixed-rate loan, but the payment will be higher because you’re paying.

When it comes to refinancing private student loans, there’s no rule that says you can only refinance once. If interest rates have dropped – or if you’ve improved your creditworthiness since the first time you applied – you could benefit from refinancing again. And if qualifying for a lower rate is your goal, take steps to build your credit. Make sure to pay all debts and credit card balances in full and on time every month.

Refinancing your student loans more than once is fair game. Unlike a mortgage where there are closing costs and refinancing can be expensive, multiple student loan refinances should have no cost. As long as you watch out for a few potential red flags, a second or third refinance of your student loans can be a smart move.

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