Take appropriate measures by asking the right questions to determine if refinancing makes sense, without putting too much emphasis on the fact that we are the lowest interest rates we've seen in a while.

construction loans for homes home mortgage with no down payment can a second mortgage foreclose

You can use a mortgage refinance calculator to find your savings if you switch to a new mortgage.
Nobody can predict what interest rates will do, and your situation is different from any other.
Do your homework and find the lowest refinance rates available to save you thousands of dollars.

Generally, when you turn on a connected mortgage, you get the best rate possible gain.

Even though being a first estimate, important details about the interest rates, costs, charges and payments will be disclosed on a Good Faith Estimate.