There are options or strategies that are simple and very effective to help the most people.

Just take the time to do the math to make sure you are getting the best deal possible.
Loan to Value Ratio: The difference between the loan balance and the value of the house. Points: paid at the time of closing costs to reduce the interest rate of the loan.

If you find yourself at the table of course closing your loan details, terms, benefits and how your refinancing will set you up for the future, thoughts of future financial uncertainty could suddenly appear in your mind.

If you're like most, you may have decided on your first mortgage without giving it much thought.
Keep in mind that the market will always be fickle and there is no singular best interest mortgage refinance rates.