I think the first of all steps is to be sure you need a refinancing. Educate yourself about the home mortgages a little bit and after that go and refinance your loan if needed.
Hi guys, I have written to WidgetBucks support about the referral stats and the benefits for us (and them) if they make the stats available in real time or at least without a month of delay and they've answered they've put that on their "requested features" list. I hope we will see it implemented soon.
@ Dave The new widget seems really faster but still it is not the fastest possible.