Here are the steps to refinance your mortgage.

1. Check your credit score, which is based on your credit history. You can get a free credit report from (link unavailable)

2. Decide what type of loan you want, such as a 30-year or 15-year loan.

3. Compare lenders' rates and terms. You can start with your current lender.

4. Gather your documents and apply for the new mortgage. You will need to share details about your income, assets and debts.

5. Lock in your interest rate if you want. This means your interest rate won't change before you close on the loan.

6. Go through underwriting. Your lender will verify your financial information and the details of the property.

7. Get a home appraisal. Your lender will order the appraisal, and you will receive a professional opinion of your home's value.