This, the most straightforward explanation I could find, is still over my head.  But I think some of this applies to me.  The refinancing part.  I think.  I'm not at risk of foreclosure or anything, but it seems to me that I could and should be doing something to reduce my mortage.

I guess I'll have to see what it actually means, what homeowners have to actually do, etc.

Anyone find a good primer on this stuff?