Mortgage rates dropped below 4% within the last few months. Does that mean it’s time for you to refinance and lock in a lower rate? Homeowners refinance for all sorts of reasons: to lower their monthly payments, to change the amount of time they have to repay their loan, to get some of their equity back in the form of cash to apply toward other financial needs, and, yes, to lower their … [Read more...] about Should I Refinance My Mortgage?