We are surely at historic lows in mortgage interest rates and there is much to be gained by refinancing your home mortgage, but accomplishing this requires a systematic approach and a careful attention to detail. The new economy has brought with it a heighted sense of risk and banks may require some convincing before opening up the money gates. There are a number of things to be aware of that, if understood, will help to make your loan application process smoother and more successful. I hope that the following ideas are helpful.