Incredibly low interest rates have sparked yet another round of refinancing for people who own real estate in Truckee and around the rest of the country.  In my opinion, many people are far too simplistic when considering refinancing.  Just because you're monthly payment is going down, doesn't mean that it's a smart move.  I came accross this interesting article, which sheds some light on some of the other things you should be thinking about if you are considering refinancing your home:  Refinancing:  Whom Can You Trust?