While a streamline refinance may be your easiest option, it may not be the best choice for you. Whenever you’re in the market for a refinance, it’d be wise to take the time to shop around. That means looking beyond your current lender and/or loan type to see if there’s something better out there. You may find a lower mortgage rate with a new lender that will justify a more lengthy qualification process. Sure, it can be a pain to refinance your mortgage, but the savings afforded each month and over your lifetime should definitely be worth your time.