If you’re having trouble making the payments on your home each month, it will always be tempting to refinance your mortgage and work out a new arrangement that’s more realistic for you financially. This is a big step, though, and once you take it, it’s hard to turn back. Is now really the right time to pull the trigger and make the big refinancing move? There are definite pros and cons. On one hand, if you look at today’s market, there appears to be a favorable financial clim