<human>:  What are the most important things to consider when refinancing a mortgage?
<bot>: The most important things to consider when refinancing a mortgage include your current credit score, monthly income, and existing debt obligations. It's important to review your current interest rate and compare it to other refinancing options to make sure you're getting the best deal possible. Other key factors to consider include the loan's term length, closing costs, and potential penalties for early payment. You should also research the lender before signing any agreement to make sure they are reputable and trustworthy.