It can be a difficult thing to map out, refinancing your current mortgage. The economic factor shows the rates are low because the environment is not healthy right now. If you are looking towards several options here is a checklist on how to find the best company for your needs.
In refinancing, ethics is at the top of the list. Confirming your mortgage lender is out for the best interest of you and not their own pocket guarantees you will have a happy closing. A good lender will want to treat you well in hopes of referrals, and good business leads. An educated consumer is a strong one, and a good lender will respect your need for knowledge.