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Change happens. Maybe you bought your home right after college, before you had a decent credit history, and didn't receive the best interest rate available. Perhaps mortgage loan rates were high when you had to relocate to a new city. Interest rates can change dramatically over the years. Taking advantage of a lower rate through a mortgage refinance can have an equally dramatic effect on your monthly payments and on the interest you'll pay over the life of your loan. When your circumstances change, you can change with them.