If you haven’t heard of HARP refinancing and you’re a homeowner who’s looking for a lower interest rate, this may be the right solution to your payment woes. Instead of letting the opportunity blow by, here’s all you need to know before this option ends in 2016.

If you’re planning to remodel or renovate your home in the near future – whether to provide a better living environment or as part of a house flip – you’ll need to find a way to pay for your home improvements. There are several different possible sources of renovation money, each with their own advantages and disadvantages. One option that is gaining popularity is mortgage refinancing.

Refinancing a mortgage is a great way to take advantage of historically low interest rates or change your payment terms to be more affordable. And with interest rates at historical lows, there’s never been a better time to refinance your mortgage.

If you’re looking to refinance your home, you’re likely going to benefit from lower mortgage payments. But lower mortgage payments aren’t the whole story with a refinance. Before you refinance, you’ll want to ask your lender these five key questions – it’ll help you ensure you’re getting a deal you can afford.