"I've heard it's almost impossible", "The banks aren't lending any money", "I think my situation is OK". A few things I hear as I talk to homeowners these days. Sometimes a potential candidate for a money saving refinance doesn't know the options available or the questions to ask because the media has painted a bleak picture for banks and the lending industry. The process is indeed more difficult than in the years past but banks are certainly lending money and being in a situation that's just "OK" is rarely the best situation financially. These days, it's important to consult with a trusted group of advisors to lead you thru any decisions or more importantly to help make decisions that involve not only one of your largest assets, but the roof over your family's heads.