How to find the best rates without wasting your entire day. (iStock)

Securing a lower interest rate on loans is a smart way to handle your personal finances — plus, it saves money. The interest mortgage lenders charge can vary greatly, and a one percent difference can save thousands over your mortgage term. And lower payments each month doesn’t hurt.

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Unfortunately, shopping around for the best refinance rates and deals can take time. In order to minimize the amount of hours you invest in the process, it can help to follow these seven time-saving tips to help make the process go smoother.

1. Use an online marketplace to compare rates

Visiting each lender’s website takes a

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