calculator with approval for home mortgage , refinance mortgage , bad credit mortgage and second mortgage loan Mortgage Refinancing -World of info on Refinance Second Mortgage , refinance car bad credit - Search ... Getting a refinance mortgage loan is a smart move for any homebuyer. This is especially true if the interest rates are low. In the world of finance, interest rates directly affect the way mortgage rates behave. So if the interest rates are low, then mortgage rates will also be low.