Is Now the Time to Re-Fi?

Rates are the lowest so far this year, so if you've been living under a rock these past five years, or have changes in your home equity or job situation that make a re-fi a constructive option, ask me for a referral to my favorite five local lenders.  And you know that federal law prohibits kickbacks or referral fees among your real estate professionals (brokers, lenders, and title companies, for instance), right?  I managed the promulgation of that reg in my former life, as Deputy Assistant Secretary for Policy at HUD......