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    - Review your credit before you even begin to shop for a refinance or home equity loan. This will afford you time to correct or repair inaccuracies or minor problems, which could possibly help to lower your new loan's cost.

    - Check your current loan for any signs of a prepayment penalty. Some lenders may waive the penalty if you refinance with them again. If your lender won't, you may have to wait for the penalty term to expire. But let them know that, because of this, you'll probably be

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    ll afford you time to correct or repair inaccuracies or minor problems, which could possibly help to lower your new loan's cost.

    - Check your current loan for any signs of a prepayment penalty. Some lenders may waive the penalty if you refinance with them again. If your lender won't, you may have to wait for the penalty term to expire. But let them know that, because of this, you'll probably be

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    - Check your current loan for any signs of a prepayment penalty. Some lenders may waive the penalty if you refinance with them again. If your lender won't, you may have to wait for the penalty term to expire. But let them know that, because of this, you'll probably be

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    Some lenders may waive the penalty if you refinance with them again. If your lender won't, you may have to wait for the penalty term to expire. But let them know that, because of this, you'll probably be
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    ve to wait for the penalty term to expire. But let them know that, because of this, you'll probably be taking your business elsewhere when the time comes.

    - On the subject of prepayment penalties, don't accept a new loan that has one. There are enough offerings out there that don't include this clause. However, prepayment penalties may sometimes be offered by the lender in exchange for a lower interest rate. Depending on the length of the penalty period and the time that you expect to continue t

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