<human>:  What is the most cost-effective way to refinance a mortgage?
<bot>: The most cost-effective way to refinance a mortgage is to shop around and compare rates and fees from multiple lenders. You should also consider any special offers or discounts that lenders may offer, as well as terms and conditions that may affect the overall cost of refinancing. Additionally, if you have a good credit score, you may be offered better rates. Finally, inquire with your current lender to see if they have a refinance package that could save you money.