Taking advantage of equity gains that may be realized which could enable the borrower to free up capital for other expenses or ventures.

This option is often referred to as "cashing out" and offers an opportunity to invest the equity that has accrued in a manner that offers a higher return.

Interest rates may have declined or another commercial lender is offering a lower rate and it is prudent to take advantage of reduced payments.

Reduced loan payments obviously affect cash flow and enhance one's financial position

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