 TITLE: How to Decide Whether a Mortgage Refinance Is a Good Idea CONTENT: Why Would You Want to Refinance?\n--------------------------------\nBefore you pull the trigger on refinancing, think about why you want to do it. There are many reasons to refinance, including to reduce your monthly payment or to get a cash infusion, but it's important to make sure it's worth the time, paperwork and potential cost.\nThe following are some of the most popular reasons people refinance:\n*   To lower their interest rate\n*   To shorten the life of their loan\n*   To obtain cash with a cash-out refinance\nRefinancing can help you achieve these goals and ultimately give you more options when it comes to your finances. Think about your situation and needs, and do your research to determine if refinancing your mortgage is the best option on the table. END