確認信用評分
Maggie is interested in refinancing her mortgage. She is talking to a bank loan officer about it on the phone.
瑪姬想要房貸再融資。她正在向銀行的貸款專員用電話討論這件事。
interested(adj.)有興趣的be interested in sth. 對某事有興趣loan(n.)貸款
Loan Officer: Hi, how may I help you?
貸款專員：您好，我能為您幫上什麼忙？
Maggie: Hello, I’m interested in finding out about refinancing my mortgage and I want to get some information about it.
瑪姬：你好，我想要了解如何房貸再融資，想知道一些相關的資訊。
find out about 弄清、知道、了解某事
Loan Officer: Sure. I can certainly help you with that. In general, for mortgages, we recommend rate-and-term refinancing.
貸款專員：當然。我肯定能幫上忙。通常，房貸的話，我們會推薦利率／定期的再融資。
certainly(adv.)當然、肯定in general 通常、大體來說recommend(v.)推薦interest rate 利率term(n.)期、期限、條款
Maggie: How does that work?
瑪姬：那是怎麼做的？
Loan Officer: Well, if we can secure a lower interest rate or more favorable terms for the mortgage, then we can help lower your monthly payments or help you pay off your mortgage more quickly.
貸款專員：如果我們能為這個房貸取得更低的利率或是更優惠的條款，我們就能幫您降低每個月要繳的房貸，或是幫您快一點繳清房貸。
secure(v.)獲得、設法得到favorable(adj.)討人喜歡的、有益的、有利的monthly(adj.)每月的payment(n.)支付的金額pay off還清、繳清
Maggie: So how do I qualify for this type of refinancing?
瑪姬：那我要有什麼樣的資格才可以用這種再融資方法呢？
qualify(v.)(使)有資格、合格
Loan Officer: In addition to the availability of lower interest rates, we will need to check your consumer credit. If your credit score has increased since your original mortgage was signed, that should help your cause for getting refinancing.
貸款專員：除了確定您是否能得到較低的利率，我們會需要確認您的消費者信用。如果您在簽署原本的貸款條約之後，信用評分有增加的話，這點應該會有利於您取得再融資的資格。
availability(n.)可得性、可用性consumer credit 消費者信用credit score 信用評分credit rating 信用評等cause(n.)事業、目標help sb.’s cause 幫助某人做某事
Maggie: Thanks a lot for the info. I will check my credit score and see if this is a possibility for me.
瑪姬：感謝你提供的資訊。我會去確認我的信用評分，看看我有沒有辦法用這個方式。
Loan Officer: Great! Please feel free to contact me if you have any other questions.
貸款專員：太好了！如果您有其他問題，隨時歡迎您再聯絡我。
feel free to do sth. (歡迎)隨時、隨意做某事