Find out if now is the right time to refinance! You may be able to reduce your monthly payments or reduce the life of your loan ... by getting a lower interest rate or a new loan term.

You may also be able to save even more if you use your refinancing to pay off credit card debt or other installment-type loans. That's because interest on your mortgage is tax-deductible, and the interest on other loans is not. Some key reasons to consider refinancing:

• Get a lower mortgage interest rate
• Convert an adjustable rate mortgage to a fixed rate mortgage
• Consolidate a first and second mortgage into one lower rate mortgage
• Get cash for family needs and expenses