You might have purchase your home a few years ago and are thinking about refinancing your mortgage. Then these are the things to consider before you make the call to the lender.

Pay off:
High-interest credit card debt
Charge cards
Student loans
Personal loans
Auto loans
Past-due utilities
Court judgments
Tax debt
Check loans
Car title loans
Department store charge accounts
Fuel charge accounts
Small business debt for supplies and services
Auto repair debt
Home repair debt
Medical bills
Dental bills
Child care obligations
Past-due child support
Furniture store credit accounts
Attorney fees
Professional service fees
Loans from family and friends
Farm equipment loans
Agriculture products purchased on store credit
Veterinarian bills
Custom farming debt
Recreational vehicle loans
Vacation loans
Home, auto or health insurance deductibles