| I | refinance |
| you | refinance |
| he/she/it | refinances |
| we | refinance |
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| they | refinance |
| I | have refinanced |
| you | have refinanced |
| he/she/it | has refinanced |
| we | have refinanced |
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| they | have refinanced |
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| you | refinanced |
| he/she/it | refinanced |
| we | refinanced |
| you | refinanced |
| they | refinanced |
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| you | had refinanced |
| he/she/it | had refinanced |
| we | had refinanced |
| you | had refinanced |
| they | had refinanced |
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| you | will refinance |
| he/she/it | will refinance |
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| you | will refinance |
| they | will refinance |
| I | will have refinanced |
| you | will have refinanced |
| he/she/it | will have refinanced |
| we | will have refinanced |
| you | will have refinanced |
| they | will have refinanced |
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| you | are refinancing |
| he/she/it | is refinancing |
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| you | are refinancing |
| they | are refinancing |
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| you | have been refinancing |
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| we | have been refinancing |
| you | have been refinancing |
| they | have been refinancing |
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| you | were refinancing |
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| you | were refinancing |
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| you | had been refinancing |
| he/she/it | had been refinancing |
| we | had been refinancing |
| you | had been refinancing |
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| you | will be refinancing |
| he/she/it | will be refinancing |
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| you | will be refinancing |
| they | will be refinancing |
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| you | will have been refinancing |
| he/she/it | will have been refinancing |
| we | will have been refinancing |
| you | will have been refinancing |
| they | will have been refinancing |
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| you | would refinance |
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| you | would refinance |
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| he/she/it | would have refinanced |
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| you | would be refinancing |
| he/she/it | would be refinancing |
| we | would be refinancing |
| you | would be refinancing |
| they | would be refinancing |
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| you | would have been refinancing |
| he/she/it | would have been refinancing |
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| we | Let's refinance |
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