Mortgage rates are rising. But there’s still time to refinance your mortgage if you haven’t done so already, according to Dana Anspach, CFP®, RMA®, president and founder of Sensible Money. How might you go about deciding whether to refinance and which mortgage to choose? At Sensible Money, the process starts with establishing your goals. Are you trying to maximize your current cash flow with the refinance, or become debt-free faster, or maximize your long-term wealth?