A lot of people who currently hold mortgages want to explore the best mortgage refinance rates by themselves without having to deal or consult with lenders or financial experts. They have this mentality that when consulting lenders, there will be fees involved, and the advice will ultimately boil down to the lenders or experts getting more money instead of letting them save more money. Thus, they have taken the wealth of information to themselves and explore other options to comparing mortgage refinance rates by themselves. There are a number of tools available online for these people. There are a number of websites that give out information, which allows mortgage holders to be better informed. In these websites, information on several lenders and loan programs are available, so mortgage holders can compare rates through calculators just by typing in information about their existing loan.