Anytime a person is thinking of refinancing their mortgage, there are several things that they should consider. Due to the global financial crisis and recession, very many people are asking for help on the best refinance mortgage loan rates. Refinancing is a method that can help anyone that has a mortgage to be able to save their homes from foreclosure.By researching and reading reviews from the people who have used these companies, you will be able to make a sound decision on which company you can use. Long term rates are different when you are refinancing such that refinance mortgage loan rates going lower is highly unlikely. That is why such skeptics are being advised to refinance before the rates start to rise again.There are very many online mortgage companies that can be found on the internet. From these sites you will be able to find which companies will work best for you. You can contact them and inquire with a few questions before you make up your mind.Online refinance companies are easier to research as they are on the internet and in a few hours you will have gotten one that suits you. Once you have found out that you are going to be secure financially, you will find that you will decide to stay in your home for some years. During this time, it would be advisable to change your adjustable rate to a fixed one. This will ensure that your monthly payment will always be the same regardless of the changes in the market environment.This can be very helpful so that you can be bale to survive when the rates go up. Once you get an institution that will offer you the loan, be sure to carefully read the fine print. You can also ask the lender to give you something called GFE. This is what is known as a Good Faith Estimate. Though such estimates are not required by law to be guaranteed, you ask the lender to guarantee it for you.This is because a non guaranteed GFE is worthless. To show commitment, a lender will have no problem in guaranteeing your estimates. Once you have made these steps, you will be well informed and you can have refinance mortgage loan rates that will not be heavy on you financially. For those who have no idea what the interest rates entail, you can consult with any financial institution and they can advice you.