Should I Refinance?

Compare 15 and 20-year loan payments with what you are currently paying. I've seen people shave 5 - 7 years off the life of their loan, while keeping their monthly payment within $100 of what it was before refinancing. Think of the money you'll save over

In the last few months it seems like every day there is a new letter in my mailbox offering me a "deal" to refinance my mortgage. Perhaps it's just because I used the VA, but it got me wondering how many other people are hearing the same thing. Yes, interest rates have been low for a while, and this could be the "best" time to lower your monthly payment…