LendingTree

With the 30-year fixed-rate mortgage down to 4.09%, -- another record low -- it's a great time to refinance. But before you go running off to your lender to catch the best rates since 1951, avoid making these major mistakes that can cost you dearly.

Online personal finance tools have come a long way in the past several years. These tools, which allow you to breakdown how you spend your money, identify wasteful spending and save toward specific goals, have typically come from smaller startups rather than traditional banks and big companies. But...