Need to Refinance? On this list? Interest Rate is Too High Cash is in Home Equity Debt Needs to be Consolidated Need Stable Payments with a Fixed Rate Loan So is it really time for you to refinance? Lending Tree has a free mortgage refinance calculator that will help you decide if it is the right time to pursue refinancing. It compares your current loan to available loans and interest rates to make the smartest choice. The great thing about Lending Tree, is once you have made the decision to refinance, they will then connect you with varioius lenders who actually compete to give you the best deal possible. There are a wide array of loan options some which include cash-out refinancing. A custom home loan when you have decided to refinance is as easy as it gets with Lending Tree.