Happy Fall!  Interest rates have been amazingly low recently and my husband and I were able to take advantage of that to refinance and reduce the interest rate on our mortgage by a full 1%!  During that process, our lender shared with us a Home Loan Toolkit published by the Consumer Finance Protection Board.  Whether you are a first time buyer or have experience with mortgages, this document provides a great deal of information about the process, things to consider along the way, and just plain makes... read more