Is now the time to refinance?  Interest rates are still near historic lows.  It is not a question of IF the rates will go up, but WHEN.  So does it make sense to refinance now?  Are you qualified to refinance?  Realty Times published a good article on this subject this morning.  CLICK HERE to read the article  

If you decide to explore the possibilities of refinancing, start with your present mortgage lender.  Often, they will want to keep a good customer and are willing to refi at reduced cost.  If they are not interested, shop around.  Mortgage money is just a commodity which one bank will sell to you at a different cost from another bank.