Let's face it, we'll probably never see rates below 3% again anytime soon.  However, there are many reasons to refinance besides just lowering your interest rate.  With credit card and student loan debt approaching the $3 Trillion mark in the United States this year, it might make sense to look into consolidating your debts to increase cash flow.  Or, if you are considering a major remodel, we can help you evaluate the various ways of taking cash out of your home and determine the best course of action.  When rates start dropping again, we will be there to ensure you are always at or below-market interest rates.