{"id":12,"date":"2026-07-19T12:39:12","date_gmt":"2026-07-19T12:39:12","guid":{"rendered":"https:\/\/webdesigntemplates.net\/for-mortgage\/?page_id=12"},"modified":"2026-07-26T06:44:06","modified_gmt":"2026-07-26T06:44:06","slug":"refinance","status":"publish","type":"page","link":"https:\/\/webdesigntemplates.net\/for-mortgage\/refinance\/","title":{"rendered":"Refinance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"12\" class=\"elementor elementor-12\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dfe9360 e-flex e-con-boxed e-con e-parent\" data-id=\"dfe9360\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-da99e98 e-con-full e-flex e-con e-child\" data-id=\"da99e98\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f927a58 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"f927a58\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"huge huge-solid-line-01\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Refinance<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f78088 elementor-widget elementor-widget-heading\" data-id=\"5f78088\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">A better loan for the home you already own<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5fa3230 elementor-widget elementor-widget-text-editor\" data-id=\"5fa3230\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Rates change. Life changes. If your mortgage no longer fits either, refinancing can lower your payment, shorten your term, or turn your equity into cash \u2014 on your terms.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-79497a5 e-con-full e-flex e-con e-child\" data-id=\"79497a5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-95587e4 elementor-widget elementor-widget-ha-creative-button happy-addon ha-creative-button\" data-id=\"95587e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ha-creative-button.default\">\n\t\t\t\t\t\t\t<div data-magnetic=\"no\" class=\"ha-creative-btn-wrap\">\n\t\t\t<a class=\"ha-creative-btn ha-stl--hermosa ha-eft--newbie\" href=\"https:\/\/webdesigntemplates.net\/for-mortgage\/contact\/\" rel=\"nofollow\"><span><span>Check My Refinance Options<\/span><\/span><\/a>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56b7f4e elementor-widget elementor-widget-ha-creative-button happy-addon ha-creative-button\" data-id=\"56b7f4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ha-creative-button.default\">\n\t\t\t\t\t\t\t<div data-magnetic=\"no\" class=\"ha-creative-btn-wrap\">\n\t\t\t<a class=\"ha-creative-btn ha-stl--hermosa ha-eft--newbie\" href=\"tel:2145550198\" rel=\"nofollow\"><span><span>Call (214) 555-0198<\/span><\/span><\/a>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10b7824 elementor-icon-list--layout-inline elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"10b7824\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">REFI 30-YR 6.51%<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">REFI 15-YR 5.84%<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">CASH-OUT 6.72%<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-220dff3 e-con-full e-flex e-con e-child\" data-id=\"220dff3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7dd9472 elementor-widget elementor-widget-image\" data-id=\"7dd9472\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1075\" height=\"716\" src=\"https:\/\/webdesigntemplates.net\/for-mortgage\/wp-content\/uploads\/sites\/87\/2026\/07\/24272.jpg\" class=\"attachment-full size-full wp-image-389\" alt=\"\" srcset=\"https:\/\/webdesigntemplates.net\/for-mortgage\/wp-content\/uploads\/sites\/87\/2026\/07\/24272.jpg 1075w, https:\/\/webdesigntemplates.net\/for-mortgage\/wp-content\/uploads\/sites\/87\/2026\/07\/24272-300x200.jpg 300w, https:\/\/webdesigntemplates.net\/for-mortgage\/wp-content\/uploads\/sites\/87\/2026\/07\/24272-1024x682.jpg 1024w, https:\/\/webdesigntemplates.net\/for-mortgage\/wp-content\/uploads\/sites\/87\/2026\/07\/24272-768x512.jpg 768w\" sizes=\"(max-width: 1075px) 100vw, 1075px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bd5913b e-flex e-con-boxed e-con e-parent\" data-id=\"bd5913b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0419d29 e-grid e-con-full e-con e-child\" data-id=\"0419d29\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-16789a8 elementor-widget elementor-widget-icon-box\" data-id=\"16789a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t$340\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tAvg. Monthly Savings*\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9cf1ae2 elementor-widget elementor-widget-icon-box\" data-id=\"9cf1ae2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t25\u201340\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tDays to Close\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c895282 elementor-widget elementor-widget-icon-box\" data-id=\"c895282\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t80%\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tMax LTV, Cash-Out\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-375e5fc elementor-widget elementor-widget-icon-box\" data-id=\"375e5fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t0%\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tCredit Impact to Check Rates\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-21e5947 e-flex e-con-boxed e-con e-parent\" data-id=\"21e5947\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1442c85 e-con-full e-flex e-con e-child\" data-id=\"1442c85\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div class=\"elementor-element elementor-element-2f4a50f e-con-full e-flex e-con e-child\" data-id=\"2f4a50f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-50b5fb2 elementor-widget elementor-widget-heading\" data-id=\"50b5fb2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Six good reasons homeowners refinance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f67f99 elementor-widget elementor-widget-text-editor\" data-id=\"9f67f99\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>There&#8217;s no single reason to refinance \u2014 here are the most common ones we see.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b98776c e-grid e-con-full e-con e-child\" data-id=\"b98776c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div class=\"elementor-element elementor-element-e3aace5 e-con-full xpro-glass-enabled--yes e-transform e-flex xpro-glass-effect__glass1 xpro-glass-shadow__none e-con e-child\" data-id=\"e3aace5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;xpro_liquid_glass_enable&quot;:&quot;yes&quot;,&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;-2&quot;,&quot;sizes&quot;:[]},&quot;_ha_eqh_enable&quot;:false,&quot;xpro_liquid_glass_effect&quot;:&quot;glass1&quot;,&quot;xpro_liquid_glass_shadow&quot;:&quot;none&quot;,&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-09dda7e elementor-view-stacked elementor-shape-circle elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"09dda7e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"hm hm-graph\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tLower Your Rate\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tIf rates have dropped since you closed, refinancing can reduce your payment and lifetime interest.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f78be0b e-con-full xpro-glass-enabled--yes e-transform e-flex xpro-glass-effect__glass1 xpro-glass-shadow__none e-con e-child\" data-id=\"f78be0b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;xpro_liquid_glass_enable&quot;:&quot;yes&quot;,&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;-2&quot;,&quot;sizes&quot;:[]},&quot;_ha_eqh_enable&quot;:false,&quot;xpro_liquid_glass_effect&quot;:&quot;glass1&quot;,&quot;xpro_liquid_glass_shadow&quot;:&quot;none&quot;,&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2bf40fa elementor-view-stacked elementor-shape-circle elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"2bf40fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"huge huge-clock-01\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tShorten Your Term\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tMove from a 30-year to a 15 or 20-year loan to pay off your home faster and save on interest.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6c2b5d1 e-con-full xpro-glass-enabled--yes e-transform e-flex xpro-glass-effect__glass1 xpro-glass-shadow__none e-con e-child\" data-id=\"6c2b5d1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;xpro_liquid_glass_enable&quot;:&quot;yes&quot;,&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;-2&quot;,&quot;sizes&quot;:[]},&quot;_ha_eqh_enable&quot;:false,&quot;xpro_liquid_glass_effect&quot;:&quot;glass1&quot;,&quot;xpro_liquid_glass_shadow&quot;:&quot;none&quot;,&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6e0a88d elementor-view-stacked elementor-shape-circle elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"6e0a88d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"huge huge-certificate\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tAccess Your Equity\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tTurn built-up home equity into cash for renovations, debt payoff, or major expenses.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9c7e756 e-con-full xpro-glass-enabled--yes e-transform e-flex xpro-glass-effect__glass1 xpro-glass-shadow__none e-con e-child\" data-id=\"9c7e756\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;xpro_liquid_glass_enable&quot;:&quot;yes&quot;,&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;-2&quot;,&quot;sizes&quot;:[]},&quot;_ha_eqh_enable&quot;:false,&quot;xpro_liquid_glass_effect&quot;:&quot;glass1&quot;,&quot;xpro_liquid_glass_shadow&quot;:&quot;none&quot;,&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-87584e0 elementor-view-stacked elementor-shape-circle elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"87584e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"huge huge-credit-card\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tRemove Mortgage Insurance\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tOnce you've reached 20% equity, refinancing out of FHA insurance can lower your payment.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1eeb9e7 e-con-full xpro-glass-enabled--yes e-transform e-flex xpro-glass-effect__glass1 xpro-glass-shadow__none e-con e-child\" data-id=\"1eeb9e7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;xpro_liquid_glass_enable&quot;:&quot;yes&quot;,&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;-2&quot;,&quot;sizes&quot;:[]},&quot;_ha_eqh_enable&quot;:false,&quot;xpro_liquid_glass_effect&quot;:&quot;glass1&quot;,&quot;xpro_liquid_glass_shadow&quot;:&quot;none&quot;,&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cc44fe0 elementor-view-stacked elementor-shape-circle elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"cc44fe0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"hm hm-home\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tConsolidate Debt\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tRoll higher-interest debt into your mortgage at a lower blended rate.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-eb57f43 e-con-full xpro-glass-enabled--yes e-transform e-flex xpro-glass-effect__glass1 xpro-glass-shadow__none e-con e-child\" data-id=\"eb57f43\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;xpro_liquid_glass_enable&quot;:&quot;yes&quot;,&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;-2&quot;,&quot;sizes&quot;:[]},&quot;_ha_eqh_enable&quot;:false,&quot;xpro_liquid_glass_effect&quot;:&quot;glass1&quot;,&quot;xpro_liquid_glass_shadow&quot;:&quot;none&quot;,&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-15294fd elementor-view-stacked elementor-shape-circle elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"15294fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"huge huge-change-screen-mode\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tChange Loan Type\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tMove from an adjustable-rate mortgage to a fixed rate for predictable payments.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-78bfe84 e-flex e-con-boxed e-con e-parent\" data-id=\"78bfe84\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ef3c425 elementor-widget elementor-widget-heading\" data-id=\"ef3c425\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Two ways to refinance<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fb86bd3 e-con-full e-flex e-con e-child\" data-id=\"fb86bd3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div class=\"elementor-element elementor-element-e40a4a1 e-con-full e-flex e-con e-child\" data-id=\"e40a4a1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-763d623 elementor-widget elementor-widget-heading\" data-id=\"763d623\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Option 01<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c8f582 elementor-widget elementor-widget-heading\" data-id=\"3c8f582\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Rate-and-Term Refinance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-02eb569 elementor-widget elementor-widget-text-editor\" data-id=\"02eb569\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Replaces your current mortgage with a new rate, term, or both \u2014 without changing your loan balance. The most common refinance, used purely to save money or restructure payments.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f5944a9 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"f5944a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"huge huge-tick-02\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">No cash back at closing<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"huge huge-tick-02\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Typically easier to qualify for than cash-out<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"huge huge-tick-02\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Best for lowering your rate or adjusting term length<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4365a0f e-con-full e-flex e-con e-child\" data-id=\"4365a0f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b464816 elementor-widget elementor-widget-heading\" data-id=\"b464816\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">VS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2f73cc8 e-con-full e-flex e-con e-child\" data-id=\"2f73cc8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-10c10c5 elementor-widget elementor-widget-heading\" data-id=\"10c10c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Option 02<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7776a9c elementor-widget elementor-widget-heading\" data-id=\"7776a9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Cash-Out Refinance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d3fad5 elementor-widget elementor-widget-text-editor\" data-id=\"0d3fad5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Replaces your mortgage with a larger loan, and you keep the difference in cash. Most lenders cap this at 80% of your home&#8217;s value, so you retain at least 20% equity.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4740343 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"4740343\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"huge huge-tick-02\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Funds can be used for any purpose<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"huge huge-tick-02\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Usually a slightly higher rate than rate-and-term<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"huge huge-tick-02\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Best for renovations, debt consolidation, major expenses<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ec3c59b e-flex e-con-boxed e-con e-parent\" data-id=\"ec3c59b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-d9eac69 e-con-full e-flex e-con e-child\" data-id=\"d9eac69\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div class=\"elementor-element elementor-element-004177f e-con-full e-flex e-con e-child\" data-id=\"004177f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e284a23 elementor-widget elementor-widget-heading\" data-id=\"e284a23\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">The Math That Matters<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e863376 elementor-widget elementor-widget-heading\" data-id=\"e863376\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Will refinancing actually save you money?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9bfb109 elementor-widget elementor-widget-text-editor\" data-id=\"9bfb109\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Refinancing isn&#8217;t free \u2014 closing costs typically run 2\u20135% of your loan amount. The real question isn&#8217;t just &#8220;is the rate lower,&#8221; it&#8217;s how long until the savings outweigh the cost. That&#8217;s your break-even point.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61b64b7 ha-has-bg-overlay elementor-widget elementor-widget-text-editor\" data-id=\"61b64b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Example: If refinancing costs $6,000 in closing costs and saves you $200\/month, your break-even point is 30 months. Staying longer than that means refinancing likely makes sense.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e36e525 elementor-widget elementor-widget-ha-creative-button happy-addon ha-creative-button\" data-id=\"e36e525\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ha-creative-button.default\">\n\t\t\t\t\t\t\t<div data-magnetic=\"no\" class=\"ha-creative-btn-wrap\">\n\t\t\t<a class=\"ha-creative-btn ha-stl--hermosa ha-eft--newbie\" href=\"https:\/\/webdesigntemplates.net\/for-mortgage\/contact\/\" rel=\"nofollow\"><span><span>Try the Break-Even Calculator<\/span><\/span><\/a>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-19e6b5a e-con-full e-flex e-con e-child\" data-id=\"19e6b5a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div class=\"elementor-element elementor-element-198e131 e-con-full e-flex e-con e-child\" data-id=\"198e131\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div class=\"elementor-element elementor-element-915301a e-con-full e-flex e-con e-child\" data-id=\"915301a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div class=\"elementor-element elementor-element-b3747f3 e-con-full e-flex e-con e-child\" data-id=\"b3747f3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7915804 elementor-widget elementor-widget-heading\" data-id=\"7915804\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Closing Costs<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8c02a41 e-con-full e-flex e-con e-child\" data-id=\"8c02a41\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-25c1fbd elementor-widget elementor-widget-xpro-progress-bar\" data-id=\"25c1fbd\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;value&quot;:&quot;35&quot;,&quot;duration&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:3,&quot;sizes&quot;:[]}}\" data-widget_type=\"xpro-progress-bar.default\">\n\t\t\t\t\t<div class=\"xpro-progress-bar-wrapper xpro-progress-bar-layout-1\">\r\n\t\t\t<div class=\"xpro-progress-content\">\r\n\t\t\t<span class=\"xpro-progress-title\">$6,000<\/span>\r\n\t\t<\/div>\r\n\t\t<div class=\"xpro-progress-bar\">\r\n\t\t<div class=\"xpro-progress-track\">\r\n\t\t\t\t\t<\/div>\r\n\t<\/div>\r\n\t<\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6936cf1 e-con-full e-flex e-con e-child\" data-id=\"6936cf1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div class=\"elementor-element elementor-element-4979fc1 e-con-full e-flex e-con e-child\" data-id=\"4979fc1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-65a996b elementor-widget elementor-widget-heading\" data-id=\"65a996b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Monthly Savings<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e908e1d e-con-full e-flex e-con e-child\" data-id=\"e908e1d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5cbbaa8 elementor-widget elementor-widget-xpro-progress-bar\" data-id=\"5cbbaa8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;value&quot;:&quot;25&quot;,&quot;duration&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:3,&quot;sizes&quot;:[]}}\" data-widget_type=\"xpro-progress-bar.default\">\n\t\t\t\t\t<div class=\"xpro-progress-bar-wrapper xpro-progress-bar-layout-1\">\r\n\t\t\t<div class=\"xpro-progress-content\">\r\n\t\t\t<span class=\"xpro-progress-title\">$200<\/span>\r\n\t\t<\/div>\r\n\t\t<div class=\"xpro-progress-bar\">\r\n\t\t<div class=\"xpro-progress-track\">\r\n\t\t\t\t\t<\/div>\r\n\t<\/div>\r\n\t<\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8de60c7 e-con-full e-flex e-con e-child\" data-id=\"8de60c7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div class=\"elementor-element elementor-element-f68178f e-con-full e-flex e-con e-child\" data-id=\"f68178f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-27c9c62 elementor-widget elementor-widget-heading\" data-id=\"27c9c62\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Break-Even Point\n<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b6dc6a3 e-con-full e-flex e-con e-child\" data-id=\"b6dc6a3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aa6759a elementor-widget elementor-widget-xpro-progress-bar\" data-id=\"aa6759a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;value&quot;:&quot;65&quot;,&quot;duration&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:3,&quot;sizes&quot;:[]}}\" data-widget_type=\"xpro-progress-bar.default\">\n\t\t\t\t\t<div class=\"xpro-progress-bar-wrapper xpro-progress-bar-layout-1\">\r\n\t\t\t<div class=\"xpro-progress-content\">\r\n\t\t\t<span class=\"xpro-progress-title\">30 mo.<\/span>\r\n\t\t<\/div>\r\n\t\t<div class=\"xpro-progress-bar\">\r\n\t\t<div class=\"xpro-progress-track\">\r\n\t\t\t\t\t<\/div>\r\n\t<\/div>\r\n\t<\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a65a87 e-con-full e-flex e-con e-child\" data-id=\"2a65a87\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div class=\"elementor-element elementor-element-01e2a7a e-con-full e-flex e-con e-child\" data-id=\"01e2a7a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-959d925 elementor-widget elementor-widget-heading\" data-id=\"959d925\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">5-Yr Net Savings\n<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6c9e62c e-con-full e-flex e-con e-child\" data-id=\"6c9e62c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-787b738 elementor-widget elementor-widget-xpro-progress-bar\" data-id=\"787b738\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;value&quot;:&quot;35&quot;,&quot;duration&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:3,&quot;sizes&quot;:[]}}\" data-widget_type=\"xpro-progress-bar.default\">\n\t\t\t\t\t<div class=\"xpro-progress-bar-wrapper xpro-progress-bar-layout-1\">\r\n\t\t\t<div class=\"xpro-progress-content\">\r\n\t\t\t<span class=\"xpro-progress-title\">$6,000<\/span>\r\n\t\t<\/div>\r\n\t\t<div class=\"xpro-progress-bar\">\r\n\t\t<div class=\"xpro-progress-track\">\r\n\t\t\t\t\t<\/div>\r\n\t<\/div>\r\n\t<\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1f1ad1f e-flex e-con-boxed e-con e-parent\" data-id=\"1f1ad1f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ad3cc0 elementor-widget elementor-widget-heading\" data-id=\"3ad3cc0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How refinancing works<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-323088b e-grid e-con-full e-con e-child\" data-id=\"323088b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f96627e xpro-content-aligncenter elementor-widget elementor-widget-xpro-step-flow\" data-id=\"f96627e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"xpro-step-flow.default\">\n\t\t\t\t\t\r\n<!-- Step Flow -->\r\n<div class=\"xpro-step-flow-wrapper  xpro-step-line-arrow xpro-step-flow-separator-disable-none\">\r\n\t<div class=\"xpro-step-flow-icon\">\r\n\r\n\t   \r\n\t\t<!-- Separator -->\r\n\t\t\t\t\t<span class=\"xpro-step-flow-line-arrow\"><\/span>\r\n\t\t\r\n\t\t<!-- Badge -->\r\n\t\t\t\t\t<span class=\"xpro-step-flow-badge xpro-badge xpro-badge-middle-center\">\r\n\t\t\t\t01 \/ START\t\t\t<\/span>\r\n\t\t\r\n\t<\/div>\r\n\t<div class=\"xpro-step-flow-content\">\r\n\t\t<!-- Title -->\r\n\t\t\t\t\t<h2 class=\"xpro-step-flow-title\">Check Your Numbers<\/h2>\r\n\t\t\r\n\t\t<!-- Description -->\r\n\t\t\t\t\t<div class=\"xpro-step-flow-description\"><p>Share your current loan details and goals \u2014 no commitment required.<\/p><\/div>\r\n\t\t\r\n\t<\/div>\r\n<\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c3bac9 xpro-content-aligncenter elementor-widget elementor-widget-xpro-step-flow\" data-id=\"6c3bac9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"xpro-step-flow.default\">\n\t\t\t\t\t\r\n<!-- Step Flow -->\r\n<div class=\"xpro-step-flow-wrapper  xpro-step-line-arrow xpro-step-flow-separator-disable-none\">\r\n\t<div class=\"xpro-step-flow-icon\">\r\n\r\n\t   \r\n\t\t<!-- Separator -->\r\n\t\t\t\t\t<span class=\"xpro-step-flow-line-arrow\"><\/span>\r\n\t\t\r\n\t\t<!-- Badge -->\r\n\t\t\t\t\t<span class=\"xpro-step-flow-badge xpro-badge xpro-badge-middle-center\">\r\n\t\t\t\t02 \/ COMPARE\t\t\t<\/span>\r\n\t\t\r\n\t<\/div>\r\n\t<div class=\"xpro-step-flow-content\">\r\n\t\t<!-- Title -->\r\n\t\t\t\t\t<h2 class=\"xpro-step-flow-title\">Compare Scenarios<\/h2>\r\n\t\t\r\n\t\t<!-- Description -->\r\n\t\t\t\t\t<div class=\"xpro-step-flow-description\"><p>We'll show you rate-and-term vs. cash-out side by side, with real break-even math.<\/p><\/div>\r\n\t\t\r\n\t<\/div>\r\n<\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c81ee09 xpro-content-aligncenter elementor-widget elementor-widget-xpro-step-flow\" data-id=\"c81ee09\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"xpro-step-flow.default\">\n\t\t\t\t\t\r\n<!-- Step Flow -->\r\n<div class=\"xpro-step-flow-wrapper  xpro-step-line-arrow xpro-step-flow-separator-disable-none\">\r\n\t<div class=\"xpro-step-flow-icon\">\r\n\r\n\t   \r\n\t\t<!-- Separator -->\r\n\t\t\t\t\t<span class=\"xpro-step-flow-line-arrow\"><\/span>\r\n\t\t\r\n\t\t<!-- Badge -->\r\n\t\t\t\t\t<span class=\"xpro-step-flow-badge xpro-badge xpro-badge-middle-center\">\r\n\t\t\t\t03 \/ LOCK\t\t\t<\/span>\r\n\t\t\r\n\t<\/div>\r\n\t<div class=\"xpro-step-flow-content\">\r\n\t\t<!-- Title -->\r\n\t\t\t\t\t<h2 class=\"xpro-step-flow-title\">Lock Your Rate<\/h2>\r\n\t\t\r\n\t\t<!-- Description -->\r\n\t\t\t\t\t<div class=\"xpro-step-flow-description\"><p>Once you choose a path, we lock your rate and start processing.<\/p><\/div>\r\n\t\t\r\n\t<\/div>\r\n<\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f1b243 xpro-content-aligncenter elementor-widget elementor-widget-xpro-step-flow\" data-id=\"8f1b243\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"xpro-step-flow.default\">\n\t\t\t\t\t\r\n<!-- Step Flow -->\r\n<div class=\"xpro-step-flow-wrapper  xpro-step- xpro-step-flow-separator-disable-\">\r\n\t<div class=\"xpro-step-flow-icon\">\r\n\r\n\t   \r\n\t\t<!-- Separator -->\r\n\t\t\r\n\t\t<!-- Badge -->\r\n\t\t\t\t\t<span class=\"xpro-step-flow-badge xpro-badge xpro-badge-middle-center\">\r\n\t\t\t\t04 \/ CLOSE\t\t\t<\/span>\r\n\t\t\r\n\t<\/div>\r\n\t<div class=\"xpro-step-flow-content\">\r\n\t\t<!-- Title -->\r\n\t\t\t\t\t<h2 class=\"xpro-step-flow-title\">Close and Save<\/h2>\r\n\t\t\r\n\t\t<!-- Description -->\r\n\t\t\t\t\t<div class=\"xpro-step-flow-description\"><p>Sign your new terms \u2014 most refinances close in 25\u201340 days.<\/p><\/div>\r\n\t\t\r\n\t<\/div>\r\n<\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d31935 elementor-widget elementor-widget-ha-creative-button happy-addon ha-creative-button\" data-id=\"9d31935\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ha-creative-button.default\">\n\t\t\t\t\t\t\t<div data-magnetic=\"no\" class=\"ha-creative-btn-wrap\">\n\t\t\t<a class=\"ha-creative-btn ha-stl--hermosa ha-eft--newbie\" href=\"https:\/\/webdesigntemplates.net\/for-mortgage\/contact\/\" rel=\"nofollow\"><span><span>Apply for Home<\/span><\/span><\/a>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1686fa8 e-flex e-con-boxed e-con e-parent\" data-id=\"1686fa8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-31f3aa8 elementor-widget elementor-widget-heading\" data-id=\"31f3aa8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Refinance questions<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5afc169 e-con-full e-flex e-con e-child\" data-id=\"5afc169\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-69e3724 elementor-widget elementor-widget-n-accordion\" data-id=\"69e3724\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1110\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1110\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Is there a minimum time I need to wait before refinancing? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1110\" class=\"elementor-element elementor-element-5716bd2 e-con-full e-flex e-con e-child\" data-id=\"5716bd2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0bf0996 elementor-widget elementor-widget-text-editor\" data-id=\"0bf0996\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>It depends on the loan type \u2014 conventional loans have no waiting period, but FHA and VA loans have &#8220;seasoning&#8221; requirements, typically around 6\u201312 months.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1111\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1111\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Will refinancing hurt my credit? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1111\" class=\"elementor-element elementor-element-42ff3c2 e-con-full e-flex e-con e-child\" data-id=\"42ff3c2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-edf6383 elementor-widget elementor-widget-text-editor\" data-id=\"edf6383\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A refinance involves a credit check, which causes a small, temporary dip \u2014 but it typically recovers within a few months.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1112\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1112\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Do I need a new appraisal? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1112\" class=\"elementor-element elementor-element-d122491 e-con-full e-flex e-con e-child\" data-id=\"d122491\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c18249c elementor-widget elementor-widget-text-editor\" data-id=\"c18249c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Usually yes for cash-out refinances; rate-and-term refinances sometimes qualify for appraisal waivers depending on the loan type.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e829054 e-flex e-con-boxed e-con e-parent\" data-id=\"e829054\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4ab8755 elementor-widget elementor-widget-heading\" data-id=\"4ab8755\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">See what refinancing could save you<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c7c41ad elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"c7c41ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>No obligation, no impact to your credit for an initial quote<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f174b26 e-con-full e-flex e-con e-child\" data-id=\"f174b26\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1d4e51e elementor-widget elementor-widget-ha-creative-button happy-addon ha-creative-button\" data-id=\"1d4e51e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ha-creative-button.default\">\n\t\t\t\t\t\t\t<div data-magnetic=\"no\" class=\"ha-creative-btn-wrap\">\n\t\t\t<a class=\"ha-creative-btn ha-stl--hermosa ha-eft--newbie\" href=\"https:\/\/webdesigntemplates.net\/for-mortgage\/contact\/\" rel=\"nofollow\"><span><span>Check My Refinance Options<\/span><\/span><\/a>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e0e94df elementor-widget elementor-widget-ha-creative-button happy-addon ha-creative-button\" data-id=\"e0e94df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ha-creative-button.default\">\n\t\t\t\t\t\t\t<div data-magnetic=\"no\" class=\"ha-creative-btn-wrap\">\n\t\t\t<a class=\"ha-creative-btn ha-stl--hermosa ha-eft--newbie\" href=\"tel:2145550198\" rel=\"nofollow\"><span><span>Call (214) 555-0198<\/span><\/span><\/a>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Refinance A better loan for the home you already own Rates change. Life changes. If your mortgage no longer fits either, refinancing can lower your payment, shorten your term, or turn your equity into cash \u2014 on your terms. Check My Refinance Options Call (214) 555-0198 REFI 30-YR 6.51% REFI 15-YR 5.84% CASH-OUT 6.72% $340 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-12","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/webdesigntemplates.net\/for-mortgage\/wp-json\/wp\/v2\/pages\/12","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/webdesigntemplates.net\/for-mortgage\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/webdesigntemplates.net\/for-mortgage\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/webdesigntemplates.net\/for-mortgage\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/webdesigntemplates.net\/for-mortgage\/wp-json\/wp\/v2\/comments?post=12"}],"version-history":[{"count":5,"href":"https:\/\/webdesigntemplates.net\/for-mortgage\/wp-json\/wp\/v2\/pages\/12\/revisions"}],"predecessor-version":[{"id":549,"href":"https:\/\/webdesigntemplates.net\/for-mortgage\/wp-json\/wp\/v2\/pages\/12\/revisions\/549"}],"wp:attachment":[{"href":"https:\/\/webdesigntemplates.net\/for-mortgage\/wp-json\/wp\/v2\/media?parent=12"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}