With today's low interest rates, anyone with a mortgage over a year old, should review it to see if it is worh refinancing.  Don Opeka at Orion Mortgage, Inc. 303-469-1254 is offering a free review that only takes a few minutes by phone to see if your loan is a candidate for refinance.  He needs minimal information, no credit check, and no documentation to determine if a new loan might benefit you.