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Usually, individuals applying for a loan are only interested in obtaining the loan and unfortunately are not worried about the prudence of buying the property at the agreed price.

Once you have selected an appraiser, be prepared to answer questions and provide requested information.

Some non profit organizations offer homeowners the chance to receive grants which never need to be repaid.

The true cost of the loan to the borrower, expressed in the form of a yearly rate.

Another way to make a refinance work for you is to refinance for more than the balance remaining on your old mortgage -- in effect, tapping your home equity, or "cashing out."

Check the market closely to determine the available rates and the costs associated with refinancing. These costs can include items such as an appraisal and other various fees and points.