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Particularly on your mortgage. If your rate is 6 percent or higher and your credit is good, you may want to refinance. "It may or may not make sense ... but if you have good credit and equity, lenders are willing to provide you with options. It doesn't hurt to call," said Rita Cheng, a financial adviser in Maryland.
Please note: This is general information and is not intended to be legal advice. You should consult with your own financial advisor before making any major financial decisions, including investments or changes to your portfolio, and a qualified legal professional before executing any legal documents or taking any legal action. Harpo Productions, Inc., OWN: Oprah Winfrey Network, Discovery Communications LLC and their affiliated companies and entities are not responsible for any losses, damages or claims that may result from your financial or legal decisions.

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