In a matter of weeks, you can have your money in hand begin to live without stress.

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A very effective way to ensure that you get a good deal is to request quotes from as many lenders as you can.
However, the interest you pay on a Home Mortgage or Home Equity Line of Credit is tax deductible. So even if you transfer credit card or other debt at low interest rates you will probably still win because of the tax benefit.

You can also modify your mortgage variable rate to a fixed rate. In this way, you can enjoy the security and benefits of low interest rates during a precarious economic situation.

It would be wise to refinance when the current market rate is lower than the prevailing market rate of 1.5% or more points.

The question is, where do you start? For starters, you may want to consider contacting your current lender and see if they offer any type of loan packages they might be willing to negotiate with you for refinancing rate mortgages.