Yes, you can refinance your mortgage to potentially lower your interest rate or change the terms of your loan. It's important to evaluate the costs associated with refinancing and determine if it aligns with your financial goals.

Requirements for getting a mortgage typically include a stable income, a good credit score, a down payment, and proof of employment. Lenders may also consider your debt-to-income ratio and other financial factors.

Using a mortgage advisor can provide you with expert guidance throughout the mortgage process. They can help you find the best mortgage deals, assist with paperwork, and offer personalized advice based on your financial situation.

The time it takes to get mortgage approval can vary, but generally, it takes between a few days to several weeks. Factors influencing this include the lender's processing speed, the completeness of your application, and any additional documentation required.

To apply for a mortgage, you typically need to gather necessary documents such as proof of income, credit history, and identification. You can then approach a mortgage advisor or lender to discuss your options and fill out an application form.