>> that can be dangerous. you have tips to save money. number one refinance your home. they are repaying by 500 a -- over paying 500 a month. if they rebhn finance she wouthd save 57,000 dollars over 10 years. rates hit a low last week. 30 year 3.4 percent, 15 year under 3 percent. >> i heard 2.6, 2.8 percent. >> they must have very good credit. >> it is probably the process. income verification. they don't want to do that. >> you could save a lot of money if you point out 500 or more per month. >> tax breaks not everyone is taking advantage of. explain some of those.