Does it pay to refinance your home?

They say mortgage rates are at a 35 year low. That may help cut payments by refinancing your loan.
You'll need a credit score of about 740 or higher to qualify for a good rate, as well as at least 20% equity. Although, even if you get a higher rate, a new loan may save you money.
You should also think about whether or not you'll stay in your current home long enough to offset closing costs.

See below for some useful links.