The Federal Reserve raised interest rates since mid-2004 several times and it is expected to keep rates rising in the near future.

The secondary market investors are the main controllers of the current home mortgage refinance rate.
A mortgage refinance is a successor of a property or asset that has been mortgaged earlier mortgage.
A second mortgage refinancing works best if you can ensure that you can make a lot of savings through it.

The customer must get real low rate mortgage refinancing to make it useful.

2) owners to save valuable money in the long term can consolidate debts.