If you want to consolidate your debts or get money to pay for home improvements, you can request an online mortgage refinancing option that gives you cash back, or life.

See if your current credit situation qualifies you for refinancing deal you are looking for.

If you use the money you earn from a refinancing, mortgage rate does not really make much difference.

You can even obtain a refinance rate home loan to shorten the duration of the repayment schedule.
Some lenders offer zero point / zero fee home loans, which means that you do not have to pay for most expenses usually required, however, your monthly payments may be somewhat higher.

If you are not satisfied with the options offered by them, you can also do personal research.