Mortgage rates have fallen to levels not seen in years. Government actions have paid off for some, and refinancing activity is heating up. It may be time to talk to your mortgage broker.
Of course, there's always a risk in pulling the trigger - rates might go lower. Try to focus on improving your situation and getting a good deal rather than catching the bottom of the market. You'll never know where the bottom was until after it's gone.
The best way to help yourself is to talk to a trusted lender and ask what you should do. Do your homework and compare offers from several competitors - that way you'll feel good about any action you take (or don't take).
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