Start by reviewing your current mortgage loan rate, term and balance. What is your current mortgage rate? Are you on an adjustable rate or a fixed rate product? How many years left on your current mortgage term? What is your current mortgage approx. balance? Are you planning on paying off more than one home loan (or debts) with a refinance? How long is your projected stay in the home? What is your current home value in today’s market (check with your Realtor)? What is your FICO credit score, documented current monthly or annual income and documented liquid assets?Once you have these answers you are ready to explore refinancing options to compare lenders, mortgage rates and closing costs.