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What Is Refinancing Your Home A Guide to Refinancing Your Mortgage – dummies – You're probably not going to refinance the mortgage on your house because you suddenly developed an insatiable urge to generate enormous loan fees for.texas cash out refinance guidelines cash out vs refinance A cash-out refinance is a new first mortgage with a loan amount that’s higher than what you owe on your house. You might be able to do a cash-out refinance if you’ve had your loan long enough that you‘ve built equity. But most homeowners find that they’re able to do a cash-out refinance when the value of their home climbs.