When you consider refinance, making the right home choice, at the right time, must always serve you. Cutting expenses always helps. Consolidating high interest rates into one low payment pays well. Paying large expenses becomes painless. Yet these financial reasons fail to tell the whole story. Ask yourself, does refinancing make sense for me?

• Can you easily make payments?
• Are you (and your spouse) both comfortable?
• Are you refinancing and benefiting for the right reasons?

When you're comfortable financially and emotionally, you're on the right path. Use common sense. First look, and then decide. And always trust your instincts. Then, the best time to refinance feels right.

Current Market Conditions: We hear the economy is booming every night on the national news. But does this statement make sense? Salaries are dropping. Jobs continue disappearing at an alarming rate. The stock market is anemic. And mortgage interest rates are down to 1960 levels. If the economy was truly booming, people would be doing well and the demand for mortgages would be soaring, which in turn, would drive the mortgage rate to new heights. The reason rates are so low is that homeowners are demanding fewer loans than lenders want to supply. Simple economics 101. But the demand for loans will revive, someday. Many economists today predict inflation only causes rates to climb, fueled by the rising cost of living. Today, refinance loans remain attractive. It's only a matter a time until the market rises, and most homeowners muse about the fixed interest rates they missed.