Hopefully everybody had a great and long holiday weekend.  I wanted to let you know that rates are down as of Friday afternoon and this morning.  A recent client of mine got an FHA loan for 5.5% for 30 year fixed and a past client of mine refinanced on Friday and also received a 5.5% interest rates.  As we know, rates fluctuate up and down all day every day, and when the rates drop, you must be prepared to make a quick decision and go for it.  I suggest you and/or your family discuss the possibility of refinancing so when the opportunity presents itself you can act.  Also, I strongly recommend that you refinance into a loan with less years.  Example:  If you have 27 years on your loan at 6.5%, refinance to a 20 year loan, or if you have 23 years left, go down to 15 years.  It's the best for you in the long run to eventually get your house paid off.  Please give me a call if you want to be put in touch with lender(s) that can help you refinance.