How to refinance your home when you don't have a job

As someone who has been without a full-time job for more than a year, I've wondered how to refinance my home while being unemployed.

It's a tough situation to be in. You can't get a home loan without a steady income, and without a job you can't afford your home.

Interest rates have been at their lowest levels during the past year, and refinancing to a fixed, 30-year mortgage would save my family some money over the long-term. But finding out how to refinance was never at the top of my to-do list; looking for a full-time job is my top priority.