San Diego, Calif.
You can’t — that’s not how banks work. You have to get their attention first. Seriously, talk to another bank about refinancing. When you return to your bank and talk about a payoff, they won’t want to lose you and will be ready to talk. Go with the bank that has the best deal. You can get a better interest rate, but watch the closing costs. If you can’t beat your current rate by at least 1 percent, then it’s not worth it.