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      April 5, 2020

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Lower My Bills Review

Best Mortgage Refinance Companies

To help you find the Best Mortgage Refinance Programs, provides you with an in-depth Lower My Bills Review.

To see ALL of our reviews for the Best Mortgage Refinance Programs, please Click Here

When is it a good time to refinance your mortgage? If your existing mortgage rate is higher than the current rate for your credit score and mortgage type, you need to explore it. Would you like to lower your mortgage payment to make your house more affordable? Are you considering updates to a kitchen or a bathroom, and want to get some extra cash to afford them?

Before you stop off at the local bank to discuss home refinancing you should consider comparing refinance options online. Just visiting your local bank won't give you your best rate, which means you'll pay more. Refinancing your home through an online mortgage refinance company lets you quickly find the best rate given your credit worthiness, loan size and type.

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Mortgage Refinance Reviews

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Lower My Bills


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Lower My Bills is a free online service that provides rate comparison information for home refinancing, home equity, debt consolidation and more. The thought is, if you can find a lower cost provider you can save money on your monthly bills.

The process of obtaining those promised free quotes was simple and included answering questions related to the type of home, your credit score range, the year of original purchase, home value, mortgage balance, 1st and 2nd mortgage information, purpose of refinance, employment status, address, phone number and a few other simple questions.

Inquiry Process:

  • Complete online request including property type, the type of loan, credit profile, purchase year, home value mortgage balances, current lender, rate info, age, address and more.
  • You're directed to some, none or up to 4 website links that take you to new companies that again require you complete the inquiry process.
  • Next step is dependant on new website you're directed to.

Once the questionnaire was completed we expected a list of rates to appear given the very detailed and personal information we had provided. However, we only received four links to different websites that wanted the same information completed. Some of those four links even provided erroneous results - furthering our disappointment. For example, we put in an Indiana address and zip code and some of the results were for Fresno California. This left us wondering what Lower My Bills was planning to do with our personal information.

If the goal of Lower My Bills was to provide convenient rate mortgage rate comparison information - they failed. If the effort was to lure people into providing personal and financial information for the purpose of potentially selling to other companies, they were successful.

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Continued from above

The best refinance companies allow several banks to compete for your loan, in order to provide you the lowest mortgage payment. They save you the hassle of calling several banks and lending institutions, and completing multiple refinance applications.

But not all online mortgage refinance brokers are the same. Before you start your search you should consider the following:

  • Number of Lenders.  How many banks and lenders does the company work with to find you the best rate? The larger the number, the more likely you'll receive the best rate.
  • Application process.  What is the process of gathering the information needed to begin the mortgage search?
  • Timeliness.  Are you going to have to wait for a call to discuss all of the necessary details, or will the online application expedite the process and provide you the details you're looking for? has reviewed and ranked the best online mortgage refinance providers available today. We hope these reviews help you as you decide to refinance your mortgage!

How to Score One of Those Super-Low Mortgage Rates for Your Refinance

But if you want to refinance and save, how do you score a mortgage rate that's impressively low, instead of just - well, low-ish? Here are six tips for getting the best refi rate you possibly can.

Published:  Sat, 04 Apr 2020 13:24:00 GMT

Refinancing my mortgage for a lower rate wasn't exactly easy, but it was worth it - I'm going to save $42,000 over the life of the loan

They managed to refinance their mortgage, get a credit of almost $2,650 back, and save over $42,000 in interest payments.

Published:  Sat, 04 Apr 2020 05:35:00 GMT

Mortgage refinance rates today, April 3, 2020 | Rates trend higher

Multiple key mortgage refinance rates were higher today. Average rates nationwide on 30-year fixed and 15-year fixed refinances both saw an increase. The average rate on 10-year fixed refis, meanwhile ...

Published:  Fri, 03 Apr 2020 04:32:57 GMT

How does mortgage refinancing work?

Mortgage rates hit an all-time low recently. That has prompted a flurry of homeowners to refinance. Others may be waiting things out or need to know more before proceeding. They may be asking ...

Published:  Thu, 02 Apr 2020 07:30:00 GMT

Shelter from the storm: Mortgage refinancing rises in coronavirus crisis

Please support local journalism by subscribing to The Columbus Dispatch at Refinance applications rose 26% this week over last and are up 168% over last year, according to ...

Published:  Fri, 03 Apr 2020 11:03:00 GMT

I'm taking advantage of low interest rates and refinancing my mortgage, even though it means paying about $100 more per month

By switching to a 15-year loan from a 30-year and refinancing to a lower interest rate, they'll save about $28,000 over the life of the loan.

Published:  Fri, 03 Apr 2020 07:26:00 GMT

Mortgage refinance applications tripled since last year, LendingTree reports

As the COVID-19 pandemic spread across the world, mortgage refinance applications skyrocketed, according to a new report.

Published:  Fri, 03 Apr 2020 06:51:00 GMT

Every Homeowner Should Avoid These 5 Costly Mortgage Refinancing Mistakes

With mortgage interest rates at record lows, many homeowners are choosing to refinance their mortgages. If you've been thinking about taking the same step, keep scrolling. I've listed out five of the ...

Published:  Mon, 30 Mar 2020 11:21:00 GMT

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