You see the rates coming down. You hear about the great refinancing deals your friends are getting, but you haven't taken the leap. This was me 6 months ago. I am writing to say I have overcome my fears and it was WORTH IT!.....

Refinancing your high interest rate mortgage may seem like a task left for the skilled home owner, real estate broker, or financial wizard, but let me say, I am no wizard.

I am a novice homeowner when it comes to the skills to wheel and deal real estate, but I could not resist when i saw the interest rates dropping. I took the leap.

And you know....the leap wasn't all that bad. The one thing i found when refinancing was that there is a wealth of information on the internet about the whole process. I was able to visit various mortgage sites that give you links to any information you would ever need for refinancing.

The process is NOT as daunting as it may seem from the outside, once you do some digging around and reading. Not to mention there are thousands of people willing just to talk to you and guide you through the process. My fears are overcome.

And I had FEARS. I did not want to look ignorant with all the questions I had, but you know, I found mine were similar questions that people have had for years. As I read through these websites and talked to experts, they helped me realize that I was not alone. All it took was a bit of reading, some time, and a bit of effort. Now I am saving thousands with my new refinanced mortgage. Intead of 6.9% I am now at 5.7, and that is a lot of money over 30 years.

So take the leap....refinance now....join the party and don't be scared!

Christopher Taylor is a happy homeowner and web designer. Website design.