So if your mortgage refinance loan exceeds this, you will need a jumbo mortgage.
The key is that it does not matter what your credit is, you need to recheck the math and look really supply to be sure that the loan fits your finances and your specific needs.
If you are planning for a refinance home loan anytime soon, it should also be a good idea to get hold of your credit reports.

If you want to keep your home and your existing mortgage loan has a variable interest rate, then it is time to consider refinancing to a fixed rate type.

The only time you may not need to consider is when you plan to refinance the house to finish with a variable rate mortgage to a fixed rate mortgage.

But beware - a lower interest rate will not necessarily give you savings.