Finding a Mortgage Lender:

The Dollar 'Get Out of Debt' Course

As we pointed out, refinancing your mortgage could save you thousands every year. With no additional effort on your part. Like finding free money! So it pays to take a little time to see what can be done with your mortgage.

You will need to know your credit score. If you don't already know it, you can get your free score now at Credit Sesame.

First, let us introduce you to We've been working with Bankrate since 1997. Their organization is top notch. They've been working with lenders all around the country for even longer. Every day they 'mystery call' to make sure that the rates displayed in their tables are real rates that you can get if you have the appropriate credit score. Lenders who try to slip in 'low ball' rates are removed from the tables.

Once you have your credit score it's time to compare mortgage rates. Fill in your city, state, loan amount, product and credit score.

Take a look at the lenders in your area. Look at the "Est Payment" and compare it to your existing payment. Remember that it doesn't take much to add up over time. Even $25 or $50 a month can make a difference in your monthly budget.

If you find that you can save money, click "next" to begin a refinance application. When you contact the lender, expect to give them some details regarding your home and finances. You'll probably want to contact more than one to make sure you get the best rate.

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