You can refinance simply to save time and money while paying your house and do not receive any cash.
Always collect the numbers you need on the same day as the rates fluctuate from day to day.
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VA home loans are safer, so that the risk for the lender is much less than with an unsecured loan.

Factors refinancing loans are similar to the factors for a loan first time, as the rate being dependent on the amount and duration of the loan.

getting a mortage paying off a home loan early mortgage initial rate
This results in the refinance home mortgage rates rise, because lenders hold to present their loans with lower capitulates.