It's a new year, and many of you may have big plans for self-improvement. You'll go to the gym more, be more productive at work and maybe even trim your spending on lattes and scones.

If you're thinking about ways to improve your finances, you might be considering a refinance on your home. Mortgage rates are still near record lows, but who knows how long they'll stay that way. Because many of you may be planning to get off the refinancing fence this year, we gathered 13 tips for refinancing in 2013. We asked mortgage brokers, lenders and real-estate agents what you need to know. Here are some of their best words of advice.

Click on the hyperlink to go to slideshow of successful tips:

By Leah L. Culler of MSN Real Estate