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terms, Leslie said. A lot of people can calculate and out if refinancing is worth it.Leslie also said a homeowner homeowner

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homeowner should consider the cost and time to obtain another and a property title search.Leslie also said the approval time time

time to get a mortgage will still take longer than did during the housing boom years before 2007.The boom years years

years of the last decade, there was a lot of mortgage lending, he said. The lesson from that is borrowers borrowers

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borrowers should be very wary and attentive.Home buyers and borrowers read the mortgage terms to understand them and practice due due

due diligence to determine if they are getting a good he said.Freddie Mac's Nothaft said consumers should know their FICO FICO

FICO score, cast a wide net and look for a who will give them the best rate when refinancing.In today's today's

today's lending environment, it's also important to remember the 4-C's looking for a mortgage: capacity, capital, collateral, credit, he said. said