Preparing to refinance your home:  List of 5 things you should do.  If you have an adjustable rate loan that is approaching its adjustable period, your current mortgage holder has probably sent you a letter stating a future date your mortgage will change; Please note, usually by this date your payment has already increased.  It's best to start the refinance process 45 to 60 days prior to this date so you can finish your new loan before the increase.  I can help!  Your mortgage will increase sooner than you think!  Regardless of your situation I'll be happy to help you find the very best program for your individual needs.  Give me a call and let's talk!