I know it can be a real hassle, cost you some closing cost and the requirements can be harder to achieve, but every homeowner should, at least, look in a refi. The rates are just too low to ignore and probably not going much lower if at all. A refi could save you big bucks now and over the 30 years of the mortgage. If your current mortgage is 6% or higher, it will be well worth the cost to bring that interest rate down to 4.5-4.8%. More money in your pocket and less interest for years!! Get over the fear and get it done.....today!