With mortgage rates at historic lows, there has never been a better time to refinance your home mortgage.  Who should you refinance with?  What is a good interest rate in this market?  What should the term of your mortgage be?  Should you have a variable interest rate?  These are just a few of the questions facing perplexed home owners.  In this Yahoo Real Estate article, these questions are addressed head on, in a thoughtful and engaging manor which will put the prospective re-financier at ease.  Though the process can be confusing, the thoughtful home owner who crunches the numbers, does the ground work, and asks a lot of questions will have a substantial advantage over those who do not.

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