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Laura Beck

I’m a Financial Advisor: Here’s When Retirees Should Refinance Their Mortgages in 2026

Financial Advisor

PeopleImages / Getty Images/iStockphoto

As mortgage rates have mostly been in the low 6% range in early 2026, many retirees might be wondering if refinancing makes sense on a fixed income. The answer isn’t as simple as just chasing a lower rate.

Check Out: Experts Reveal the Exact Credit Score Needed for the Best Mortgage Rates in 2026

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