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    1. Am I better off refinancing?
    2. What will my refinancing costs be?
    3. How much can I save in taxes?
    4. Which is better: fixed or adjustable?
    5. Which is better: 15- or 30-year loan term?
    6. How much will my (fixed) mortgage payments be?
    7. How much will my adjustable rate payments be?
    8. Should I pay points to lower the rate?
    9. Which lender has the better loan?
    10. Which loan is better?
    11. How advantageous are extra payments?

Which lender has the better loan?

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