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With interest rates lower than they have been in lots of years, many homeowners are asking themselves "Should I refinance my mortgage?" It is tempting to think that you just can just go right down to your local financial institution or make just a few phone calls and presto, you\ll have saved lots of money, but the cold reality is different. As a result of  of the variety of homeowners which can be  defaulting on bad loans and the proliferation of unhealthy  loans that were written in the past five years, banks and lending establishments have tightened credit score.