To refinance or not refinance?

What province do you live in? Alberta British Columbia Manitoba New Brunswick Newfoundland and Labrador Nova Scotia Ontario Prince Edward Island Quebec Saskatchewan Northwest Territories Nunavut Yukon Territory

What is your current interest rate? 2% 3% 4% 5% 6% 7% 8% 9% more than 9%

Are you carrying non-mortgage debt greater than $20,000?

Do you want to lower you monthly mortgage payment?

Do you have an emergency fund i.e in case of loss job?

Are your personal and property taxes up to date?