Would you like to lower your monthly mortgage payment? Did you purchase your home with an adjustable rate mortgage but now prefer a fixed rate? Do you want to lower the total amount of interest you’ll pay on your mortgage by shortening its term? Perhaps you need to access some of your home’s equity to start a business or send your child to college? If you’ve answered yes to any of these questions, refinancing your mortgage could help you achieve your goal—but you shouldn’t go about it haphazardly.  

Though today’s low interest rate environment means it’s likely you can save money, there are several simple steps you’ll need to work through to ensure you’re refinancing smartly. We’re mortgage professionals who’ve assisted hundreds of homeowners, and we’ve put together this brief guide to help you refinance into a loan that’s right for your circumstances.