At the dawn of a new year, many homeowners are optimistic that 2010 will be a much better year than its predecessor. With housing prices back on the rise, many people are thinking that the worst is over. But if you already own a home, what is the best way to capitalize on the resurgence of the housing market. The answer is simple. A streamline refinance is a refinance on your home that is called streamline for a few different reasons. It is hassle free and has no additional paper work; you can lower your monthly payments by being able to lock in a low interest rate. The best thing though, it is that it is fast, easy and inexpensive so it saves you time and money together. There are two major types of a streamline refinance, a FHA and a VA. Both are simple and easy, and most importantly quick. It usually only takes 1-2 months to have everything completed. A refinance, is a great way to save money on your mortgage, have some extra spending money for home improvement products and is just a great way to capitalize on the resurgent housing market in 2010. To answer any questions on why this is a great option visit http://www.streamlinerefinance.net