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.