--- title: The Porch Blog by Ruoff Mortgage | Refinancing (3) description: Refinancing | Exploring homeownership - from mortgage finance to home DIY, from gardening to budgeting tips and more! (3) --- [![ThePorch\_Color](https://blog.ruoff.com/hs-fs/hubfs/ThePorch_Color.png?width=2001&height=753&name=ThePorch_Color.png "ThePorch_Color")](http://www.ruoff.com) # The Porch The Keys to Homeownership ![Background with awesome gradient](https://f.hubspotusercontent00.net/hubfs/8534459/photos/Homepage-1-1.png) Latest Articles [![](https://blog.ruoff.com/hubfs/PITI-4-Mortgage-Terms-You-Should-Know.jpg)](https://blog.ruoff.com/how-does-equity-work-in-a-manufactured-home) [Refinancing](https://blog.ruoff.com/tag/refinancing) ## [How Does Equity Work in a Manufactured Home?](https://blog.ruoff.com/how-does-equity-work-in-a-manufactured-home) Understanding how equity builds within a given property is an essential lesson for any homeowner, but it is especially important for those... [Read more](https://blog.ruoff.com/how-does-equity-work-in-a-manufactured-home) [![](https://blog.ruoff.com/hubfs/Does-Refinancing-Hurt-My-Credit-Score.jpg)](https://blog.ruoff.com/does-refinancing-hurt-my-credit-score) [Refinancing](https://blog.ruoff.com/tag/refinancing) ## [Does Refinancing Hurt My Credit Score?](https://blog.ruoff.com/does-refinancing-hurt-my-credit-score) Every once in awhile, there is a nationwide surge in refinancing due to the dips in interest rates. Sometimes, these dips only last a week,... [Read more](https://blog.ruoff.com/does-refinancing-hurt-my-credit-score) [![](https://blog.ruoff.com/hubfs/Cash-Out-Refinance-Loan-Explained.jpg)](https://blog.ruoff.com/cash-out-refinance-loan-explained) [Refinancing](https://blog.ruoff.com/tag/refinancing) ## [Cash Out Refinance: Loan Explained](https://blog.ruoff.com/cash-out-refinance-loan-explained) Do you have dreams of renovating your kitchen? Would you like to add a pool to your backyard? Are there debts you’d like to pay off? A cash... [Read more](https://blog.ruoff.com/cash-out-refinance-loan-explained) [![](https://blog.ruoff.com/hubfs/Explained-FHA-Streamline-Refinance.jpg)](https://blog.ruoff.com/explained-fha-streamline-loan) [Refinancing](https://blog.ruoff.com/tag/refinancing) ## [Explained: FHA Streamline Loan](https://blog.ruoff.com/explained-fha-streamline-loan) With our country still in the midst of a pandemic and economic shut-down, those bills coming due at month’s end get a little scarier with... [Read more](https://blog.ruoff.com/explained-fha-streamline-loan) [![](https://blog.ruoff.com/hubfs/How-Taxes-Can-Affect-Your-Home-Refinance.jpg)](https://blog.ruoff.com/how-taxes-can-affect-your-home-refinance) [Refinancing](https://blog.ruoff.com/tag/refinancing) ## [How Taxes Can Affect Your Home Refinance](https://blog.ruoff.com/how-taxes-can-affect-your-home-refinance) Are you ready for a refinance? Refinancing is often a simpler process than the initial purchase of a home, but it comes with unique... [Read more](https://blog.ruoff.com/how-taxes-can-affect-your-home-refinance) [![](https://blog.ruoff.com/hubfs/Explained-Rate-Term-Refinance.jpg)](https://blog.ruoff.com/explained-rate-term-refinance) [Refinancing](https://blog.ruoff.com/tag/refinancing) ## [Explained: Rate/Term Refinance](https://blog.ruoff.com/explained-rate-term-refinance) Homeowners refinance their mortgages for a variety of reasons, and this is why loans have a variety of names. When your lender calls a loan... [Read more](https://blog.ruoff.com/explained-rate-term-refinance) [![](https://blog.ruoff.com/hubfs/Explained-The-Refinance-Process-1.jpg)](https://blog.ruoff.com/explained-the-refinance-process) [Refinancing](https://blog.ruoff.com/tag/refinancing) ## [Explained: The Refinance Process](https://blog.ruoff.com/explained-the-refinance-process) Just like your original home loan, a refinance loan can be complicated. It doesn't have to be! Here is a breakdown of all the steps... [Read more](https://blog.ruoff.com/explained-the-refinance-process) [![GettyImages-1025416706 (1)-1](https://blog.ruoff.com/hubfs/GettyImages-1025416706%20(1)-1.jpg)](https://blog.ruoff.com/rate/term-refinance-versus-cash-out-refinance) [Refinancing](https://blog.ruoff.com/tag/refinancing) ## [Rate/Term Refinance versus Cash-out Refinance](https://blog.ruoff.com/rate/term-refinance-versus-cash-out-refinance) Two basic home refinance options exist in today’s marketplace: Rate/Term and Cash-out. Of course, within each of those options a bevy of... [Read more](https://blog.ruoff.com/rate/term-refinance-versus-cash-out-refinance) [![Accessing-Your-Home-Equity](https://blog.ruoff.com/hubfs/Accessing-Your-Home-Equity.jpg)](https://blog.ruoff.com/accessing-your-home-equity) [Refinancing](https://blog.ruoff.com/tag/refinancing) ## [Accessing Your Home Equity](https://blog.ruoff.com/accessing-your-home-equity) Did you know you can use your home equity to your advantage? There are a few ways you can borrow against the money you’ve invested in your... [Read more](https://blog.ruoff.com/accessing-your-home-equity) [![Refinance Your Home](https://blog.ruoff.com/hubfs/Refinance%20Your%20Home.jpg)](https://blog.ruoff.com/you-should-refinance-your-mortgage) [Refinancing](https://blog.ruoff.com/tag/refinancing) ## [Should I Refinance My Mortgage?](https://blog.ruoff.com/you-should-refinance-your-mortgage) Whether or not to refinance is a question most homeowners are faced with at some point and it can be a difficult decision to make. When... 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