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If you want to refinance but your home has declined in value, you may have options under the Making Home Affordable Program. U.S. Bank participates in the HARP program and the HAMP program and may be able to help.
Refinancing your mortgage could save you money, help you pay off your home faster, and unlock the equity in your home – if the time is right. Make sure you know when to refinance and how timing should factor into your decision to refinance.