One of the biggest parts of a person’s life is their home. Along with their home, comes a mortgage. Home mortgages come in many shapes and forms. Typically, people get a 30-year fixed mortgage at a fixed interest rate. When a person is into their mortgage for a few years and they want to refinance, they will need to make a few decisions about the new mortgage they desire. This is where a mortgage multiplier Excel template can help a mortgage seeker. There are more choices than ever, and being able to plug some numbers into a template can help a person make some decisions.