The first step is defining your goals:
Are you looking to refinance to lower your monthly mortgage payments? You will need to look for a loan that offers you a better interest rate and/or a longer payment term. You will need to ask up front if there will be any fees/cost and what your potential payment will be.
Are you looking to shorten your loan term? You will need to find a loan that offers you shorter terms, possibly a lower interest rate. Again, you will need to ask up front about any fees/costs and you will need to be able to financially handle the larger payments to accommodate the shorter terms.
Would you like to obtain funds for remodeling or a major purchase? Instead of refinancing your home, you can consider a home equity loan or line of credit. You will need to have equity in the home or be willing to put something of value for collateral. If your interest rate is higher than current rates, you can consider cash-out refinancing to get the equity you have built. You may also be able to refinance your current loan for a larger amount that the current balance and use the extra funds for your project or purchase.
In order to meet your refinancing needs, you will need to call or visit me so we can determine a program to meet your needs. You may find that refinancing does not make financial sense for you. Banks also offer promotions and the government offers programs that may help, so being in contact with me will keep you abreast of any new choices you will have when deciding on this course of action. I can help you explore the many choices to meet your refinancing needs.