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refi

   Also found in: Dictionary/thesaurus, Legal, Acronyms, Wikipedia 0.01 sec.
Refinance
To repay a loan by taking out another loan. Refinancing can allow one to secure a lower interest rate; for example, one can replace a loan at an 8.5% rate with one at 5.5%. In the case of a balloon loan, refinancing can repay the principal if one does not have sufficient funds to do it; that is, if one has made only interest payments over the life of the loan and has not saved the principal amount when the loan comes due, refinancing can prevent bankruptcy. There are two main drawbacks to refinancing. First, there is no certainty that one will be approved for it. One thus takes a risk every time one decides to make only interest payments on a loan or mortgage. Secondly, refinancing generally resets the repayment period; that is, if one refinances six years into a 10 year loan, the one generally repays the new loan over 10 years instead of the remaining four.

refi

Shorthand for refinance.



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As for interest rates, with inflation "set to remain dampened for the foreseeable future and the credit downturn in full swing, we see a strong case for a steady refi rate throughout 2010," UniCredit economist Marco Valli said.
Financing available through Florida Choice Bank and Countrywide lenders via cash-out refi of your current home with loans of up to 100% LTV with a Minimum of 680 credit score with proved income and assets.
Total originations are expected to drop an additional 6 percent in 2009 as the 5 percent increase in purchase originations partially offsets a projected 18 percent decline in refi originations.
 
 
 
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