If I did a mortgage assumption - does this constitute as refinancing or as the original loan used to by the home?

[glenn_figueroa]

This is in reference to:
"Is this loan a home equity line of credit or a loan you've ever refinanced?"

[Critter-3 · Accepted solution]

Think about this logically .... if you assumed someone else's mortgage when YOU BOUGHT the property then to YOU this is an original loan used to by the home.  

[Carl]

If I did a mortgage assumption does this constitute as refinancing or as the original loan used to buy the home?

For *YOU* it is the original loan. Your beginning balance on the loan is whatever the balance due was, on the date you became legally obligated to pay it.