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If you're in Pennsylvania and in need of financial assistance, we've compiled a list of relevant coronavirus relief programs across the state.

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What happens to your investments after you die? Close icon Two crossed lines that form an 'X'. It indicates a way to close an interaction, or dismiss a notification. Account icon An icon in the shape of a person's head and shoulders. It often indicates a user profile. US Edition Registration on or use of this site constitutes acceptance of our Close icon Two crossed lines that form an 'X'. It indicates a way to close an interaction, or dismiss a notification. Good Free subscriber-exclusive audiobook! “No Rules Rules: Netflix and the Culture of Reinvention” Close icon Two cross...

Cash-in Can pay a lot of money at once No-closing-cost Can make higher monthly payments Streamline Have an FHA, VA, or USDA mortgage FMERR or HIRO Have a conventional mortgage 1. Rate-and-term refinance A rate-and-term refinance is probably what you think of as a "regular refinance." You replace your original mortgage with a new one with different terms. Your interest rate and monthly payments will change, and you'll probably refinance into a new term length. Conventional, FHA, VA, and USDA mortgages are eligible for rate-and-term refinancing. You'll need a certain credit score, debt-to-incom...

Who is eligible? Not everyone qualifies for a regular rate-and-term refinance. You'll need to meet the following criteria: Home equity. Many lenders want you to have at least 20% equity in your home. Credit score. The minimum credit score will depend on which type of mortgage you are refinancing. A conventional mortgage requires at least a 620 score. Debt-to-income ratio. The DTI ratio you'll need also depends on which type of mortgage you have. Most lenders will be happy if your ratio is 36% or lower. There's some flexibility with these requirements. For example, a lender may approve you to ...