Why some homeowners are turning down free money

http://finance.fortune.cnn.com/2013/02/15/mortgage-refi-borrowers/?iid=SF_F_River

FORTUNE -- American homeowners are in the midst of a hot and heavy love affair with low interest rates. But not every courtship has a happy ending.

As the final days of 2012 slipped away, Lisa Price made her client an offer she thought he couldn't refuse. Her client -- we'll call him John Doe -- was paying a rate of 6.616% on his $435,000 mortgage, with 25 years left to go. Price, a mortgage banker for Quicken Loans, offered to refinance his loan at 4.125%, keeping the 25-year payout time. The deal would have knocked his monthly payments down to $3,383, a savings of $630 a month.

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