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You May Get A Tax Deduction Mortgage interest is usually tax-deductible but the interest on many other types of debt is not. You can do a cash-out refinance of a home you own free and clear. How To Refinance Your House If you have a mortgage you must have had it for at least six months. Do you get money back when you refinance your mortgage . When you are in the process of refinancing your mortgage you may come across refinance advertisements offering the chance to skip a mortgage payment for one month. If it seems too good to be true thats because it probably is. In reality while it may feel like youre keeping money in your pocket youre actually not. A cash-out refinance is similar to a regular refinancing of your mortgage in that youre going to have to pay closing costs. Mortgage Refinance Scenario 2. If you refinanced your mortgage in 2020 there are some specific dos and donts you need to know prior to filing your income taxes as well as a few pointers that might help y...