Nothing is nicer on a cold winter night than curling up beside a warm fire. Gas fireplaces, in particular, can offer a clean-burning option with the convenient click of a button. 

There are numerous reasons why homeowners choose to refinance their mortgages – everything from debt consolidation to freeing up money for their child’s education to using their home equity to buy another property. But the most popular reason for refinancing at this time of year is for holiday gift buying and entertainment.