This is important before you get financial advice, a loan or credit, buy financial products, or hand over your money for a purchase or an investment. (moneysmart.gov.au)
By delaying, you'll gain the advantage of keeping control over your money for as long as possible, while still maintaining a good credit rating with vendors and suppliers. (entrepreneur.com)
But in the short term, you're going to have to fork over some money in refinance closing costs. (smartasset.com)