The customer must get real low rate mortgage refinancing to make it useful.

Conversely, with a down economy, while rush "investors to buy whatever is available at the current price to save the future lower capitulates investments.

With the refinance loan on the same property you can easily avail a fixed interest rate.

-The difference between the interest rate you pay now and the mortgage interest rate.
Once the unsuspecting customer has been caught in the web, there are no leaks and the mortgage refinance lender extract every possible penny from the borrower.
Refinance car loan could be an option to consider if your payments are creating a problem.