If you're thinking about refinancing and having a hard time wading through the myriad of rates, points, fees, and other options, try this spreadsheet. It allows you to compare offers from several different mortgage brokers and shows which broker has the best deal. You can even tell if the best option is to simply stay put with your current mortgage.

Requires Microsoft Excel

Download Refinance.xls

Note: You must have the Analysis ToolPak installed in Excel. From the Excel Tools menu, click "Add-Ins..." and make sure that "Analysis ToolPak" is checked in the "Add-Ins available:" list box. You may need to restart Excel before loading this spreadsheet.