Home mortgage refinance rates have been clinging in their lows for some time now. There has been a surge in home loan refinance requests, but it seems to be dropping down just now. Maybe consumers are awaiting for extra fall. Human nature, few people get the truly low rates and wish further more. They might just be able to achieve marginally more cut on the rates till new year.The reality is that there are many homeowners out there who would love to catch these rates, if they could be accepted. One of the key reasons for homeowners falling short of qualifying for these low rates is the equity levels. Not many homeowners have enough equity in their home after the descent in housing market. Other major reasons that stop people from refinancing are short income and credit history.According to reports, over twenty million Homeowners are still on mortgage rates minimum two percent above the today’s rates. Number of consumers are stuck and could not get out of it. Nevertheless it is fairly likely that several million of those homeowners are spending money on higher mortgage rates because of negligible grounds or worries that refinancing process might be complex. It would be truly unfortunate for people missing these really good rates as they do not understand how to start refinancing their mortgage loan.Anyone could get started with refinancing progress. Just get online, fill your essential details in any of the mortgage quote forms and right away you would get up to 4 full refinance quotes from rival refinance mortgage providers. No social security number necessary and no credit check pulled. It only cost you few minutes time and you have positively no obligation to take any of the offers you receive from these reputable lenders. It could be great time to see if you would gain from refinancing your mortgage.