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The new year has started in great fashion as far as refinance mortgage rates are concerned.  While the overall economy, including a bleak employment outlook, looks to stabilize, rates on refinance mortgage home loans are at or near the lowest levels since interest rates have been tracked.  That is the good news for home refinancing, but the bad news is that home loans are now much more difficult to get qualified for.  Items such as income, credit, and the homeowner’s equity interest are new being scrutinized in a much tougher fashion than that of just a couple years ago.  So, if you do qualify, expect to receive quotes for the lowest refinance mortgage rates on record, and plan on a nice financial benefit.