http://www.qtellfreedownloadtrader.com/495/posts/8-Business-to-Business-/292--Real-Estate/282733-When-to-refinance-your-mortgage.html

The best time of when to refinance your mortgage is if you are getting lower interest rates, changing terms of the loan. Hence, it will be imperative for you to get a low-interest rate and change the loan term if you want the best time to refinance your mortgage. After getting these two ways, you can easily be able to refinance your mortgage.