Lower interest rates are not the only reason you might want to refinance your mortgage loan. In fact, refinancing at other times, even when rates are flat or rising, could work in your financial favor by reducing your monthly payment, giving you access to much-needed cash, or even helping you pay off your loan faster if that’s what you want. Here are six times refinancing is a smart move. In this article: When to refinance a mortgage: 6 good reasons Your particular financial situation will determine whe ...