 TITLE: 6 Steps to Refinancing Your Home Mortgage CONTENT: Make the Best Decision Based on the Numbers\n-------------------------------------------\nRefinancing a mortgage may seem like a simple process, but it involves a lot of moving parts, including costs and the potential for savings.\nAvoid rushing the process in an effort to get it behind you. Take your time to shop around and research your options, and take advantage of the fact that mortgage lenders will lock your rate for a set period to review the costs and savings, run the numbers, review the terms and conditions of the contract and decide whether it's the right fit for you.\nAlso, keep in mind that if your credit has improved, but you've still got some room to run, you will have the opportunity to refinance again in the future. END