By Tim Manni of HSH.com

Mortgage rates have been setting records for what seems like years now. Interest rates at 60-year lows have allowed millions of homeowners to refinance. Rates have fallen consistently for so long that many homeowners have refinanced their mortgage more than once.

However, countless homeowners have not refinanced for one reason or another. Here are 10 reasons homeowners aren't refinancing and what they can do to refinance, if not now, then soon.

http://realestate.msn.com/10-reasons-youre-not-refinancing#1