Secrets lenders don't want you to knowGrand Junction Free Press, Colorado -5 hours agoPaul Clement is senior loan officer at Certified Mortgage Solutions, a licensed broker in Colorado. If you would like to obtain a free Consumer Credit... Low mortgage rates in turn lead to bigger savings from your monthly payments. And with a refinance mortgage loan, you can take advantage of this basic financing concept and reduce your monthly repayments while at the same time, increase your monthly savings.