Please help me prepare for refinancing- questions I should be asking tonight before I make any decision?

It never hurts to ask an advisor experience in refinancing what your options are and what would work best for the long term. Think about later, not just your needs today. If your mortgage is more than two years old, you’d probably benefit from refinancing. You can cut your monthly payment or even build equity faster. There are a lot of different loan options out there for consumers right now. Buyer beware! Contact a professional that can outline all of the options available. The more you know in advance, the better off you are.