11.   Beatrice Smith has refinanced the mortgage on her small Atlanta home six times the past decade.

12.   Before, Quicken offered forecasts for only five matters, including saving for college and refinancing a mortgage.

13.   Bonds backed by home-equity loans can be shortened if interest rates fall and homeowners refinance their mortgages.

14.   Both offer calculators that figure the break-even point in refinancing a mortgage by simply dividing loan fees by monthly payment savings.

15.   A year later, the co-op refinanced the mortgage with a bank.

16.   But new homeowners or families refinancing existing mortgages can expect to pay higher interest charges costs in the weeks ahead.

17.   But two years ago, when he refinanced his mortgage, his new lender required the insurance.

18.   Colman said the museum should be given enough time to refinance the mortgage, allowing them to keep the drawings.

19.   Consumers are also taking advantage of low interest rates to refinance their mortgages.

20.   Danville financial planner Richard DelMonte notes that if you do so, you might find it difficult to refinance your mortgage.