Of course, when you got your home loan, this was part of planning for the future, except that dream has been threatened by the sub-prime mortgage crisis and the current economic recession. At present, San Francisco mortgage refinance may not appear to be an option since this city by the bay has been relatively unscathed. But then, there’s no telling what’s going to happen in the near future.

Wouldn’t it just make sense to change some loan terms and interest rates now that it is lower?  After all, the costs are minimal, and the benefits enormous.  You may not need the lower interest rates, but surely you can use some extra cash in your pocket to the tune of at least $800. Would you turn your back on that?