There are several things to consider when deciding whether to renegotiate your mortgage. If you do decide to make the leap, there is no such thing as a one-size-fits-all mortgage. Following are some tips to help you negotiate the best deal when refinancing:

1. Take personal and work stock

If you think your job or financial situation will change, it’s probably best, at least in the short term, to go for a variable-rate mortgage. You can always lock in a fixed rate if your situation stabilizes.

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