CHICAGO (MarketWatch) -- Erin Littlefield's adjustable-rate mortgage resets in May 2008. She'll have to refinance -- and she's already dreading it. "We have a 4% interest (rate), so I know it's going to go up," said the Bryan, Texas, college English profe

Mortgage lenders are encouraging borrowers with adjustable-rate mortgages to refinance into fixed-rate loans. It's a move well worth considering -- but carefully, because it won't make sense for everyone.Podcast: Should you refinance?

WASHINGTON (MarketWatch) -- Issues on people's minds: What can be done about appraisals that turn out too high and how many times can you refinance a rental property before you run into tax problems.

Can you get financed for buying foreclosed property at an auction? James R. Hagerty answers.

Need some extra money? You may not have to look any farther than your front door. Take a look at how you can tap the wealth in your home and how your choices may be affected by rising interest rates.

Mortgage rates hit another historic low last week, but before you rush to refinance, you may want to reconsider. Terri Cullen looks at five scenarios where refinancing may not make sense.

Many folks nurture their portfolios of stocks, bonds and mutual funds. Got a mortgage on your house? You should manage your home loan with the same sort of investment savvy.

Individual circumstances dictate whether it is a good decision to keep or pay off the mortgage. Consider these 5 factors before you make that important step.