It may be time to consider new possibilities. Rates are still very low, which means you may significantly reduce your monthly payment. How do you know if refinancing is right for you? We can help you assess your financial situation and offer advice. Perhaps you can benefit from consolidating two mortgages into one. You may find that converting your adjustable rate mortgage to a fixed-rate loan can put more cash in your pocket. Or, if you have high equity in your home, consider borrowing against it to make home improvements.