When is it the right time to refinace?Most people put off refinancing until its ultimately to late. The reasoning usually is along the lines of not knowing how much it cost, thinking their house is upside down, or being afraid or embarrassed that they wont qualify. The bottom line is a simple phone call to a local mortgage professional could wind up saving you thousands of dollars. The worst possible thing that can happen is being turned down. Just some food for thought if you are still on the fence about refinancing.October 30 2013 - Saint Charles00YesReport 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.