It seems like the whole world is refinancing. If you are in a position to do so - it starts with a good credit score, call your favorite lender now and find out if you qualify for a lower rate that you have now.
Many folks are checking on line for rates and that's okay to get information - But, from what I'm seeing on costs you are probably better off dealing with a local mortgage representative. They really do seem to have the best rates and fees and customer service.
PS. Don't forget to tell them you want to have Gateway Title for your mortgage title insurance and settlement.
(you'll make this Gateway Title agency owner VERY happy - Thanks)
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