If you own a home in Marin County and are considering refinancing, the first question should not simply be, “What is today’s refinance rate?” The better question is: What do I want the refinance to accomplish? A refinance can potentially lower your interest rate or monthly payment, change the term of your mortgage, remove mortgage insurance, convert an adjustable-rate loan to a fixed-rate loan, consolidate debt, or allow you to access some of the equity in your home.