Inform the agent of the company you want to take a look at their refinancing programs that may match your needs before making a final choice.

These loans are, for most people, the largest debt they will never be cluttered and the process of obtaining a loan from home is often one of the most stressful things people experience.

You can also consolidate your first and second mortgages into one mortgage loan refinancing.

This is a good way to engage with a loan provider since you know the background of the lender, and what to expect from the lender in the future.
What are you looking for? Lower monthly payment, quicker loan payment or something else? So the solution should be taylor-made to your needs and you must put the needs in order of importance.

Some lenders check your sources of employment and income security before agreeing to refinance.