As the years go by, your financial needs and priorities may change and ideally your home loan should change to reflect your new requirements.

If you have a mortgage on your home for one year or more it is probably a good time to review your mortgage options. In today's market, if you're planning to stay in your home for a while, and you find a good deal on refinancing costs, it may be worthwhile to refinance with as little as a 0.5% lower rate, refinancing involves many of the same steps you took when obtaining a mortgage the first time around.

Refinancing Loan Types and Interest Rates
The Top reasons for refinancing your home Mortgage Loan
Be aware of Cost Involved in Refinancing Your Mortage
Ten point check list for Refinancing Loan