Are you considering refinancing your home mortgage loan this year? If you’re like many homeowners you use the Internet to research loan offers and collect mortgage rate quotation marks. Did you know here is hidden markup lurking in every mortgage rate you collect online and from your local mortgage broker? This markup of your mortgage rate is for a commission and can result in overpaying thousands of dollars every year that you keep the loan. Here are several tips to help those sweet refinance mortgage rates you found online from turning into a sour lemon of a home loan mistake.