Interest rates are at 50 year low point, so many of you may want to re-finance. Also consider re-financing from a 30 year loan to a 15 year loan! Right now you can get 15 year loans for as little as 3.75% with 1 point! And depending on how much equity you have in your home you may be able to combine a first and second loan. If you need a lender recommendation, give me a call at 520-615-2598.