few steps need to be taken into consideration when refinancing. The first and most important step is getting an interest rate cut, this will lower the month to month costs and will, in turn, save you the most amount of money over time. At RBFG Mortgages we offer the lowest prices and often waive most appraisal, application, and other legal fees. If staying in your current place of residence for more than three years, it would be of great interest for you to pay a higher point rate, to obtain a much lower mortgage rate saving you hundreds each month. If you are looking to avoid paying such high costs on points, you can add the costs of points to your mortgage loan and still get a lower mortgage rate. Contact the interest rate professionals at RBFG Mortgages.