Depends on how you look at things in life, the adversities may become opportunities. The economy may be in bad shape, unemployment may be increasing and house prices decreasing. This negative outlook may worry people. Or they may see a chance of a life time somewhere in that picture. They may have been dreaming about a second home for years.House prices have come down considerably. This may be a very good time to buy that second home or holiday home they may have been wanting for a long time. Or the business premises they have been leasing may come up for sale at a reasonable price. Adding low refinance home mortgage loans to the equation, they may do very well when the property prices come back up. Many have seen several property booms and busts already and they know that prices will start rising eventually.Timing is very important factor in making money from investments. Some people are better judge of situations and they may be able to pick the bottom of the housing market or interest rates. Some people do not concern themselves with bottom picking, in the knowledge that it is mostly down to luck. Who knows where things are heading and when they will make a U turn. However, they can tell when they see a good deal. They act on it while they can and wait. That is how many good investors make money. It is all about getting the timing right.Is the time right to refinance their home mortgage loan? Can they make better use of idle home equity? Are they good at negotiating a much lower price? These are the questions and their answers will lead to a decision on their existing mortgage. If their existing home loan interest rate is considerably higher than the current rates, they may achieve several objectives at once. They can lower interest rates on their home mortgage loan, cash out some equity and invest it on another property. They may be able to get rental income to cover the loan on the new property, if they need so.Homeowners may be able to get answers to those questions easily if they spend couple of hours online. They can find out their credit score, get several refinance loan quotes and check the properties in their chosen location. All these things only cost little bit of their time. These services are available free of charge from many different websites. They need all the information they can get to make a right decision.