Home refinance loans involve obtaining a new mortgage from a particular lender to settle an existing mortgage. With refinance Roseville you can Take advantage of reduced interest rates and increasing your mortgage principal are two of the main reasons for transferring home loans, also known as refinancing. Your mortgage can be refinanced for many reasons. You benefit from lower interest rates and more flexible repayment terms. However, it is very important that you first understand the whole process and weigh the pros and cons of refinancing for your particular circumstances.