A mortgage refinance boom is in full swing, as homeowners take advantage of record low rates by refinancing their home loans, but a home loan refi is more complicated than it was a few years ago. Home values are lower and paperwork requirements are higher. It's easy to make mistakes while refinancing a mortgage. To help you avoid some of the most common errors, here is a list of five things you shouldn't do when you refi. Be unrealistic about your home's value Deluding yourself about the value of your home is an excellent way to ruin a refi. Too many homeowners ignore falling home values in their neighborhood, convincing themselves their houses are worth at least what they paid for them. In mortgage refinances today, the most common reason for denial is a home appraisal that comes in too low. The lender won't lend for more than the appraised value. And a lot of homeowners go into denial about the decreased values of their homes. Dit...