When you can anticipate the growth of your income due to promotions and raises.

You could get a cash-out refinance using the equity you have accumulated.
Use a calculator refinancing to know how much money you can save from lower interest rates.
The first point to consider is whether the total interest payment loan refinancing to save money by comparing the payment of interest on the loan current.
Fixed rate mortgage are loans where the rate is locked while in adjustable rate mortgage, the rate varies according to market fluctuation.
Although the prospect of owning your home may prompt you to make payments in a timely and accurate payment for mortgage refinancing, the lender will even try to keep your current mortgage strong enough.