{
  "canonical_url": "https://lendb.ai/s/refinance",
  "specialty": {
    "slug": "refinance",
    "category": "borrower_situation",
    "label": "Refinance",
    "description": "Homeowners replacing their current mortgage: a lower rate or term (rate and term), taking cash out of their equity, or refinancing to remove a co-borrower, such as buying out a former spouse.",
    "synonyms": [
      "refinance",
      "refinancing",
      "refinances",
      "refi",
      "refis",
      "cash-out refinance",
      "cash out refinance",
      "cash-out refi",
      "cash out refi",
      "rate and term refinance",
      "rate-and-term refinance",
      "streamline refinance"
    ],
    "why_hard": "Whether a refinance pays off depends on closing costs, how long you keep the loan and the new rate; cash-out and buyout refinances have their own equity, seasoning and title rules.",
    "questions_to_ask": [
      "What are my total closing costs, and how many months until the lower payment pays them back?",
      "Can I take cash out, and how much equity do I need to keep?",
      "If I am buying out a former spouse or co-owner, what does the divorce decree or agreement need to say?"
    ],
    "canonical_url": "https://lendb.ai/s/refinance",
    "api_url": "https://lendb.ai/api/v1/specialties/refinance"
  },
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    "GA": 293,
    "AZ": 270,
    "NC": 269,
    "VA": 259,
    "TN": 232,
    "OH": 220,
    "WA": 212,
    "SC": 208,
    "NJ": 198,
    "FL": 157,
    "IN": 155,
    "CA": 143,
    "AL": 132,
    "MI": 120,
    "PA": 118,
    "KY": 112,
    "TX": 107,
    "NV": 104,
    "MN": 103,
    "ID": 85,
    "NY": 75,
    "KS": 70,
    "CO": 67,
    "NH": 64,
    "ME": 63,
    "OK": 62,
    "MT": 58,
    "NM": 56,
    "DC": 54,
    "WV": 48,
    "IL": 46,
    "MD": 43,
    "OR": 43,
    "MS": 40,
    "HI": 36,
    "UT": 34,
    "MA": 32,
    "NE": 31,
    "RI": 30,
    "SD": 29,
    "MO": 29,
    "ND": 28,
    "AK": 24,
    "VT": 23,
    "LA": 19,
    "CT": 17,
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    "DE": 5,
    "AR": 2,
    "WY": 1
  }
}