What to Say to a Mortgage Lender When Trying to Refinance

NerdWallet, Dec. 6, 2025-Holden Lewis

When interest rates fall, you may want to refinance your mortgage. But can you explain what you hope to get out of refinancing?

To get the refinance you want, you need to explain your goal in words that the lender understands. This is a guide to what to say, complete with sample sentences that you can use as you kick off a refinancing conversation with a loan officer or mortgage broker.

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