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Don't pull money out to do renovations on your home. The time to refinance is when you want to make a less-than-desirable mortgage better, not when you want to buy something with that money.

When you use your equity for any purchase at all, you are then on the hook for that money. Refinancing might be good if: In each of those scenarios, you are not pulling money out of your home to use elsewhere.

You are modifying your current mortgage to more favorable terms, be it a lower interest rate or a shorter note.

If you do it, your new payment should be no more than a fourth of your take-home pay on a 15-year fixed-rate note.

Refinancing a mortgage means paying off an existing loan and replacing it with a new one.

If you have a mortgage, you might look to see if you have enough equity in your home to consolidate your debt with your mortgage.

A way to gauge the numbers is to do a break-even analysis.

That means dividing your costs of the loan by the savings that result from it.

You can see if your bank or credit union is able to provide you with a debt consolidation loan.

Banks and credit unions are typically only willing to lend people around 10% of their net worth (your assets minus your debts) on an unsecured basis.

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