Hugo says...

... his doghouse doesn't have a mortgage and he's never taken out a home loan, but he's ready to learn.

MyHomeLoanMortgages is a comprehensive, easily navigable, very informative site to guide you toward responsible mortgage refinancing. The easy to use calculator will allow you to decide if refinancing at a lower interest rate will save you money over the long term, by taking various costs and scenarios into account. You must do your homework and this site will help you through the process of learning about your home mortgage!

Hugo says if you wish to learn more before you talk to your real estate agent or mortgage company check out MyHomeLoanMortgages.com.