Home owners: with mortgage rates at 2yr lows today, have you thought about refinancing?

Interest rates are pretty great right now, but my 30-year fixed is still lower than anything I can get without paying a ton of points up front.

Rates are going to have to come down another 1/2 a percent or so before I'd even consider it.

A lot people giving advice are also looking to give you a loan (its not advice, its advertising), if they are not local to you and you can’t get to them within 1 hour don’t fall for it. They say they are licensed in all 50 states, what does that mean? Which state do you have to look in first if something goes wrong? KEEP IT LOCAL, STAY SAFE.

Remember Buddha's advice:

"Believe nothing, no matter where you read it or who has said it, not even if I have said it, unless it agrees with your own reason and your own common sense." You are the only "expert" you can trust: All brokers, and every other loan officer guru giving advice here with a .com or contact me at the end is "selling" you something (its not advice, its advertising). Don't buy "it."

Alot of them can't as they owe more than the house is worth and they have no equity.

Well, it depends..