It seems everywhere you go people are talking about refinancing. Your neighbors, family, friends, Facebook & TV ads, mailers…the list goes on. As we enter 2021, there are a few refinancing strategies to consider, possibly even if you refinanced as recently as last year.

A few weeks ago, I was driving home from work, listening to the radio, and I heard an ad from a national furniture store that went something like this: “This Friday, 25% off storewide OR free financing for 5 years.” I thought to myself, “That isn’t free at all.”