Q. I have never refinanced my mortgage before. What are the advantages?
A. You'll have money to do other things. You may be able to take vacations, buy a new car, pay off an existing car loan, finance a child's college tuition or maybe buy your wife a diamond ring.

Q. Does each state have its own laws and regulations regarding mortgage refinancing?
A. Many of the rules and regulations regarding mortgages are federal, and there are also state regulations that apply in many cases.

Q. What kind of documentation do I have to provide?
A. Standard information about your financial history, employment and income information, etc.

Q. What is the registration process like?
A. Each provider has their own criteria, so we would defer to them as to the varying level of difficulty.

Q. How are rates determined?
A. Please consult our providers for more information about how rates are determined for each program and type of mortgage refinancing loan you may be seeking.

Q. Is there a limit to the number of times I can refinance my mortgage?
A. As far as we know, no. However, we urge you to consult a mortgage provider for more help with these and other questions.

Q. What are some of the things I can do with the money I save?
A. You can spend it, you can save it, you can give it to your favorite charity. There's really no limit to what you can do.

Q. Will it make me sleep better at night?
A. Possibly. Each person's experience is unique. Only time will tell. We urge you to consult a physician if you have trouble sleeping at night.