http://www.lbmortgage.com/ Whether you're underwater on your home loan or you are just looking to save some money every month, A mortgage refinance can be a great decision for your finances. With refinance rates as low as they are today a borrowers can stand to save a lot of money. Ben Brashen of Cobalt Mortgage explains how to refinance your mortgage as well as when might be the right time for a home refinance.