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This web page the-mortgage-refinance.blogspot.com states the following, "WHAT YOU NEED TO KNOW ABOUT REFINANCING YOUR CURRENT LOAN? Thursday, January 21, 2010." We saw that the webpage said " Refinancing does not make sense under the following situations." It also said " Your property value has gone down. If your property value and reduces you refinance up to 80 of the reappraised value, your original mortgage amount may be higher than this amount. Thus, the new loan will not be sufficient enough to help you pay down the existing one. You are paying off the first loan for a long time." The header had home loans as the highest ranking optimized keyword. It is followed by mortgage, mortgages, and refinance mortgage which isn't as ranked as highly as home loans. The next words the-mortgage-refinance.blogspot.com used was home equity. car loans was included but will not be viewed by search engines.