Determine what you want the money for, and then try to keep extra money in this amount.

A refinance supplies the mortgagor the chance to switch to a lower interest rate or transfer his mortgage to another lending company.
It is usually done when interest on the new loan rates are lower than that of the previous one.

If this program works well, it could face the risk of strategic default.

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California Refinance provides detailed information on California refinance rates Refinancing California Mortgage Refinancing California, California Home Loan Refinance and more information.
This would ensure that refinancing was possible and feasible, and would also demonstrate to the bank or lender that the borrower took a very active role in getting the best price available.