| Simple | Progressive | Perfect | Progressive |
| Present |
| I refinance |
| you refinance |
| he/she/it refinances |
| we refinance |
| you all refinance |
| they refinance |
|
| I am refinancing |
| you are refinancing |
| he/she/it is refinancing |
| we are refinancing |
| you all are refinancing |
| they are refinancing |
|
| I have refinanced |
| you have refinanced |
| he/she/it has refinanced |
| we have refinanced |
| you all have refinanced |
| they have refinanced |
|
| I have been refinancing |
| you have been refinancing |
| he/she/it has been refinancing |
| we have been refinancing |
| you all have been refinancing |
| they have been refinancing |
|
| Past |
| I refinanced |
| you refinanced |
| he/she/it refinanced |
| we refinanced |
| you all refinanced |
| they refinanced |
|
| I was refinancing |
| you were refinancing |
| he/she/it was refinancing |
| we were refinancing |
| you all were refinancing |
| they were refinancing |
|
| I had refinanced |
| you had refinanced |
| he/she/it had refinanced |
| we had refinanced |
| you all had refinanced |
| they had refinanced |
|
| I had been refinancing |
| you had been refinancing |
| he/she/it had been refinancing |
| we had been refinancing |
| you all had been refinancing |
| they had been refinancing |
|
| Future |
| I will refinance |
| you will refinance |
| he/she/it will refinance |
| we will refinance |
| you all will refinance |
| they will refinance |
|
| I will be refinancing |
| you will be refinancing |
| he/she/it will be refinancing |
| we are refinancing |
| you all will be refinancing |
| they will be refinancing |
|
| I will have refinanced |
| you will have refinanced |
| he/she/it will have refinanced |
| we will have refinanced |
| you all will have refinanced |
| they will have refinanced |
|
| I will have been refinancing |
| you will have been refinancing |
| he/she/it will have been refinancing |
| we will have been refinancing |
| you all will have been refinancing |
| they will have been refinancing |
|
