Refinance Home Equity Loan -You Can Refinance with Home Equity – In higher rate environments, use a Discover Home Equity Loan to refinance your mortgage with no closing costs. You may be able to refinance a home equity loan, HELOCHome equity loan of credit or first mortgage and pay less each month.
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3. Get a new home equity loan. 4. Refinance into a new first mortgage. The Bottom Line. When you take out a home equity line of credit (HELOC), you first have a draw period, which typically lasts 10 years. During this time you can borrow money as needed and make low, interest-only payments on.