<human>:  What are the steps to refinancing a mortgage?
<bot>: 
1. Determine your purpose for refinancing.
2. Gather the necessary documents and forms.
3. Shop for the best refinance mortgage rate.
4. Compare lenders and decide which one to choose.
5. Fill out a loan application with your chosen lender.
6. Get a home appraisal to determine the current value of your home.
7. Sign the loan documents.
8. Receive your new loan and make payments on time.