💸 Is it the right time to refinance your mortgage? With interest rates shifting and home values rising, now might be your window to: ✅ Lower your monthly payment ✅ Tap into equity with a cash-out refi ✅ Pay off high-interest debt But timing is everything. Refi too early or too late, and it could cost you. 📹 Watch the video to learn what to consider before refinancing — including when it’s smarter to go with a HELOC instead. #Refinance #MortgageTips #HomeEquity #FinancialFreedom #HomeOwnerGoals