Mortgage rates are so low that mortgage lenders and banks are being overwhelmed with the amount of refinancing applications that are coming in. With so many people rushing to apply for the same thing, there are often delays involved. These delays can cost homeowners money they don’t have while they wait for an answer and continue to pay a mortgage they are barely able to, or can’t afford. Here are some tips to help avoid these delays and make your application stand out amongst the hundreds of others that are still waiting to be reviewed.

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