Online lenders offer the easiest way to find a cheap refi loan. If you have paid down a jumbo loan to a conforming loan size, you can also save money with a refi. When you are searching rates, look for a financing company that lists its information, provides personal contact, and discloses all loan information before signing. Look For Mor Refinancing your mortgage is a good bet if your adjustable rate mortgage is about to change or your credit score has improved by 25 points or more. For months now, you have been looking at houses and home brochures and you have finally found it - the house that's just right. So now, you're feeling anxious to buy your new home, move in, and get settled. But this is not where your search ends. You still have one more important task to do and that is getting a home mortgage.