Mortgage refinancing

Mortgage rates are at rock bottom right now so it's a good time to consider refinancing your mortgage. Kiplinger's magazine (Feb. 2012, p. 45) recommends: use the calculator at http://zwicke.nber.org/refinance to determine the optimal refi rate for your situation. Then sign up at www.mortgagemarvel.com to receive email updates as lenders offer rates that meet your needs. If you want lenders to contact you, sign up at www.lendingtree.com