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What is refinancing? How it is effective when you do refinance? will refinance get you benefit? Refinance two mortgages allow you to combine all your loans into just one payment. By doing refinance, you can avoid a bankrupcy because your new payment is lower what you pay. However, the time to finish for loan is longer. So you must be careful to watch for interest saving just not lower number that could be misleading. Before you doing this make sure you do research for this. If this thing (refincing) make sense for you, you need to research for mortgage lenders You can go to google to search for quotes and terms which is best for you at the time you want to refinance. The most important thing you need to watch is interest rate, the lower interst rate you got, the lower payment you have to pay and a lot of money you can save for your refinancing. A second mortgage is usually got a higher rate, so be alert when you search and find interest in this.