When people buy a home they pay more attention to their mortgage. It is going to be a new monthly payment and there is lots of options to consider.... 5 years later you typically get a letter in the mail saying here is what we are going to offer you to continue with your existing mortgage for the next 5 years. It usually has a check box that you select and send back to say you are compliant with this idea. Is this what is best for your pocket book? Sometimes yes & someti