I want to Refinance my Mortgage – Which is the best way to Refinance My Mortgage?

I want to refinance my mortgage, but I am worried it will make our debts worse, as I have read some horrible things about this. But, I really need the extra cash and it’s the only option aside of getting a separate loan, which I don’t want to do. What’s the best way of doing this, I am not too sure how to refinance a mortgage and whether or not I should go to our bank first?

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