Even at the stage of the dream of moving to California, or to make minor renovations in your home in California, you should be looking at the facts already.

Consider the time you reach your home stay with a possible move your job, growing family, rationalization of home life changes and much more.
These include: a small fixed rate mortgage insured by the FHA, the FHA mortgage payments predictable and lower interest rates, but only for those who meet the criteria.
If you choose to go to the transaction and proceed with your plan "I will refinance my car," at least you save more than what you save first when you were still with your previous lender.
You are in a bad debt situation if you have multiple unpaid bills, unpaid credit cards that have heavy penalties for late payment and your income does not allow you to meet even the minimum payments on most of them.

How do you know when it is time to refinance your home? Knowing when to make your move may seem more like an art than a science, but it is purely mathematical.