Let’s say you have so-so credit and a bunch of credit card debt. We refinance your mortgage, instantly providing cash-out funds to pay off those high-interest credit cards. Next, you make a few months of payments on your new loan and your credit score improves. Now you qualify for a better mortgage rate, so we refinance a second time. You save more money every month, and your credit score continues to rise. Goodbye crushing debt. Hello good night’s sleep!