Hi, Greetings. It's indeed a very good time to do refinance. I am a real estate agent in California who specializes in mortgage. I may be able to help you getting the best possible rate. If this is the first time of your refinancing, I will walk you through the entire process. Customer satisfaction is my first piority. If I may suggest, we can communicate through e-mail and let me understand your situatiion then give you a quote. Please contact me at: dreamhomes88@yahoo.com. Thank you and have a nice day. Sincerely, Richard