Strategies for Re-Financing

1. Decide 'Why I am thinking about refinancing? Do I want a lower payment? Do you want to pay off credit cards or other debt? Do you want to pull some equity out of the house?' There are many other reasons why it depends on each individual situation.
2. Decide how long you will be staying at the home. The best option may be a 3-year ARM. If you decide you may stay longer a fixed rate may be the answer.
3. Make sure you look at your credit report.
4. Make sure your insurance on the home covers you for the new loan amount.

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