• Your results will vary and may not be typical. • As a result of refinancing, your total finance charges may be higher over the life of the loan. • Including closing costs or financing loan fees your total finance charges may be higher over the life of the loan. • Reduction in payments may reflect longer loan terms and higher interest charges over the life of the loan. • Applicant should not assume that any debt will be eliminated by refinancing since the debts are consolidated into a new loan.