Preparing for Refinance QuestionPreparing to Refinance Questions We want to start the process of refinancing as soon as possible, but I want to know if its better to pay off as much debt as possible before we start the process or is it better to have the cash in the bank?What's the best way to refinance? Use online company, a bank, or a local mortgage company?Thanks in advance for any advice we receive.February 18 2014 - Chesterfield00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.