By JIM BUCHTA, Minneapolis Star Tribune
Race to refinance as interest rates dip to 37-year low
The holidays are likely to be a little more cheery at Kevin Coughlin's home. Coughlin refinanced the adjustable-rate mortgage on his Shorewood, Minn., house this week into a 30-year fixed-rate mortgage that's going to save him $200 a month.
Get ready for a mortgage maze
The first time Jeff and Dana Prottas applied for a mortgage they weren't surprised that they might have to jump through a few hoops to get an OK from the bank, so they worked hard to improve their credit score.

