Refinance

• When should I refinance?
• Should I refinance if I plan on moving soon?
• How much will it cost me to refinance?
• What are points?
• Should I pay points to lower my interest rate?
• What does it mean to lock the interest rate?
• Should I lock-in my loan rate?
• I've had credit problems in the past. Does this impact my chances of getting a home loan?
• I've only been late a couple of times on my credit card bills. Does this mean high interest rates?
• Should I choose the lender with the lowest interest rate and costs?