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Although refinancing a mortgage will be a great way to improve your financial situation, the risks from your initial mortgage are still existent. This article will discuss the disadvantages of refinancing. First of all, unscrupulous lenders will. Read More. Questions to consider before refinancing mortgage. How To Improve Your Personal Finances. I've been involved with home loans and refinancing. I've been involved with home loans and refinancing for several years now: As I use to work for a large mortga...