Want to refinance your mortgage before the end of 2025? As luck would have it, the end of the year could be an ideal time to refinance. During the colder months, homeowners can hunker down, review their budgets for the upcoming year, and try to lock in better deals. So, if you’re eyeing a mortgage refinance before the New Year, the window is wide open. But knowing when to act and what to expect can make or break whether refinancing actually saves you money. Refinancing your mortgage: Why timing matters ...