Have you been part of the refinance mania that has gripped the US in the last five years? If not, you should consider it. Refinancing for lower rates has saved millions of people billions of dollars. You don't even have to take money out of your equity - you can just save money or shorten your loan term. The interest rates are really the drivers of the refinance craze and if you want to find out what the going refinance rates are you have a couple of options:
- Look online. Tons of sites list current refinance and mortgage rates free of charge and many of them can even provide you a refinance or mortgage quote at the same time.
- Check your local paper and keep abreast of any major interest rate fluctuations.
- Develop a long term relationship with a mortgage broker. These folks can proactively call you when there is a change in the interest rates or a new program that might fit your needs.
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