 Thinking about refinancing to save money, just waiting for the rates to come down? Do you need some relief? Take AIM, Affordable Interest Mortgage, 720-895-0500. Want to save $700 to $1,000 a month? Get a 30-year fix at 5.625. Pay off $20,000, $30,000, $40,000 in high-interest card credit debt. And give yourself some breathing room.