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How to refinance your mortgage

Thinking about refinancing? HSH.com has everything you need to help you get your refinance underway. We can help you determine whether refinancing is right for your situation, show you how to compare and minimize refinancing costs, provide you with strategies to achieve your goals and even help you locate lenders to handle your new mortgage. Using our articles, tools and calculators, you can feel confident that you are getting the best possible deal for your situation.

5 stages of a refinance

  • 1. Should I refinance?
  • 2. How to refinance
  • 3. What does a refinance cost?
  • 4. 12 ways to get the lowest mortgage refinance rates
  • 5. 8 common refinance mistakes

Step 1: Should I refinance?

“Should I refinance,” or “does a refinance make sense for me” may be the first questions you ask yourself when considering a refinance. But they’re just the first. You may also be wondering:

  • Will my refinance save me money?
  • Do I have to refinance with my current lender?
  • What if I can’t refinance?

To the answers to these questions and more, be sure to read "Does a mortgage refinance make sense?"

Home Affordable Refinance Program (HARP)

The Home Affordable Refinance Program (HARP) is a federal mortgage refinance program targeting underwater homeowners. First announced in March 2009, HARP is designed for homeowners who are current on their mortgage payments, but who haven't been able to refinance because they have limited equity, no equity or negative equity in their homes.

Thousands of homeowners are still eligible to refinance under HARP. Are you one of them? Time is running out!

The HARP refinance program for troubled or underwater homeowners will come to an end in 2017, but a new streamline refinance program will takes...

We wish the answer to your question was simple and straightforward, but...

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