SIMPLE PRESENT

Affirmative

• I refinance
• you refinance
• she/he/it refinances
• we refinance
• you refinance
• they refinance

Negative

• I do not refinance
• you do not refinance
• she/he/it does not refinance
• we do not refinance
• you do not refinance
• they do not refinance

Interrogative

• do I refinance ?
• do you refinance ?
• does she/he/it refinance ?
• do we refinance ?
• do you refinance ?
• do they refinance ?

Negative - Interrogative

• do I not refinance ?
• do you not refinance ?
• does she/he/it not refinance ?
• do we not refinance ?
• do you not refinance ?
• do they not refinance ?

PRESENT CONTINUOUS

Affirmative

• I am refinancing
• you are refinancing
• she/he/it is refinancing
• we are refinancing
• you are refinancing
• they are refinancing

Negative

• I am not refinancing
• you are not refinancing
• she/he/it is not refinancing
• we are not refinancing
• you are not refinancing
• they are not refinancing

Interrogative

• am I refinancing ?
• are you refinancing ?
• is she/he/it refinancing ?
• are we refinancing ?
• are you refinancing ?
• are they refinancing ?

Negative - Interrogative

• am I not refinancing ?
• are you not refinancing ?
• is she/he/it not refinancing ?
• are we not refinancing ?
• are you not refinancing ?
• are they not refinancing ?

SIMPLE PAST

Affirmative

• I refinanced
• you refinanced
• she/he/it refinanced
• we refinanced
• you refinanced
• they refinanced

Negative

• I did not refinance
• you did not refinance
• she/he/it did not refinance
• we did not refinance
• you did not refinance
• they did not refinance

Interrogative

• did I refinance ?
• did you refinance ?
• did she/he/it refinance ?
• did we refinance ?
• did you refinance ?
• did they refinance ?

Negative - Interrogative

• did I not refinance ?
• did you not refinance ?
• did she/he/it not refinance ?
• did we not refinance ?
• did you not refinance ?
• did they not refinance ?

PRESENT PERFECT

Affirmative

• I have refinanced
• you have refinanced
• she/he/it has refinanced
• we have refinanced
• you have refinanced
• they have refinanced

Negative

• I have not refinanced
• you have not refinanced
• she/he/it has not refinanced
• we have not refinanced
• you have not refinanced
• they have not refinanced

Interrogative

• have I refinanced ?
• have you refinanced ?
• has she/he/it refinanced ?
• have we refinanced ?
• have you refinanced ?
• have they refinanced ?

Negative - Interrogative

• have I not refinanced ?
• have you not refinanced ?
• has she/he/it not refinanced ?
• have we not refinanced ?
• have you not refinanced ?
• have they not refinanced ?

PAST CONTINUOUS

Affirmative

• I was refinancing
• you were refinancing
• she/he/it was refinancing
• we were refinancing
• you were refinancing
• they were refinancing

Negative

• I was not refinancing
• you were not refinancing
• she/he/it was not refinancing
• you were not refinancing
• you were not refinancing
• they were not refinancing

Interrogative

• was I refinancing ?
• were you refinancing ?
• was she/he/it refinancing ?
• were we refinancing ?
• were you refinancing ?
• were they refinancing ?

Negative - Interrogative

• was I not refinancing ?
• were you not refinancing ?
• was she/he/it not refinancing ?
• were we not refinancing ?
• were you not refinancing ?
• were they not refinancing ?

PRESENT PERFECT CONTINUOUS

Affirmative

• I have been refinancing
• you have been refinancing
• she/he/it has been refinancing
• we have been refinancing
• you have been refinancing
• they have been refinancing

Negative

• I have not been refinancing
• you have not been refinancing
• she/he/it has not been refinancing
• we have not been refinancing
• you have not been refinancing
• they have not been refinancing

Interrogative

• have I been refinancing ?
• have you been refinancing ?
• has she/he/it been refinancing ?
• have we been refinancing ?
• have you been refinancing ?
• have they been refinancing ?

Negative - Interrogative

• have I not been refinancing ?
• have you not been refinancing ?
• has she/he/it not been refinancing ?
• have we not been refinancing ?
• have you not been refinancing ?
• have they not been refinancing ?

PAST PERFECT

Affirmative

• I had refinanced
• you had refinanced
• she/he/it had refinanced
• we had refinanced
• you had refinanced
• they had refinanced

Negative

• I had not refinanced
• you had not refinanced
• she/he/it had not refinanced
• we had not refinanced
• you had not refinanced
• they had not refinanced

Interrogative

• had I refinanced ?
• had you refinanced ?
• had she/he/it refinanced ?
• had we refinanced ?
• had you refinanced ?
• had they refinanced ?

Negative - Interrogative

• had I not refinanced ?
• had you not refinanced ?
• had she/he/it not refinanced ?
• had we not refinanced ?
• had you not refinanced ?
• had they not refinanced ?

PAST PERFECT CONTINUOUS

Affirmative

• I had been refinancing
• you had been refinancing
• she/he/it had been refinancing
• we had been refinancing
• you had been refinancing
• they had been refinancing

Negative

• I had not been refinancing
• you had not been refinancing
• she/he/it had not been refinancing
• we had not been refinancing
• you had not been refinancing
• they had not been refinancing

Interrogative

• had I been refinancing ?
• had you been refinancing ?
• had she/he/it been refinancing ?
• had we been refinancing ?
• had you been refinancing ?
• had they been refinancing ?

Negative - Interrogative

• had I not been refinancing ?
• had you not been refinancing ?
• had she/he/it not been refinancing ?
• had we not been refinancing ?
• had you not been refinancing ?
• had they not been refinancing ?