When should I refinance?

Don't wait another day!! Refinance now before the rates go up higher. They are still very low, just not as low as a few weeks ago, and not higher than a year ago so now is the time. Call Unity West Lending today!! 714-881-5970

At this point it's best to get started and approved and then you can watch the rates. The experts are saying it will plane out around 5 to 5.5% so it may be best to refinance as soon as possible before they keep going up. P: 888-320-7888 - ken@mortgagesforamerica.org

Though rates are starting to fluctuate -- they are not likely to be going down. You need to get to a local, licensed mortgage professional, and get them moving on the loan, so they can lock the rate for your sooner rather than later. You can contact our main office in San Francisco at: Phone: 415-820-4548 and they would be glad to help you.

Recommend you to submit in an application. If the rate drop and the mortgage/lender company does not have your application they can not lock right away for you. We do not charge you a fee to submit a loan application. Most place usually charge a credit report run fee. Let me know if you have any more questions.Contact me at robert@Gvlending.com

I agree not to wait. Rates are up about .50% within the last 2 weeks. I don't think anybody has an idea of where they will land. My recommendation is: Talk with a mortgage professional. If it makes sense to refinance now, then go for it.Feel free to contact me directly. I'm in Oakland also.Ivan Diaz415-271-7740 cellivan@plazaloans.com

Rates have been fluctuating, but trending up. It would be wise to give me about 10 minutes of information . This would allow me to complete a application. Then we could follow the rates together until you are ready. The most important part is how much you may save over your current rate. If you don't prepare to take advantage of the possibilities ahead, you will be where you are right now. Call me at 619-961-8893, or email me at walter.wiszowaty@wjbradley.com

If you have sufficient savings you should start NOW......if rates drop during the process your broker / lender should be able to offer you the better rate.

Tyler,If your current rate is over 4.50% or you have an adjustable rate mortgage, you should get your refinance done NOW. Rates are only going to go up. Sav-More Financial can help you get the lowest rate available, we offer no point/no fee options and close our loans in 21 days or less. Please contact us today. Steve Patton(855) 701-SAVE (7283)steve.patton@sav-more.com

So goes the economy, so goes interest rates.It appears the economy is starting to improve some and that is enough for the Fed to threaten to slow or stop buying bonds and that my friend will cause rates to increase. In the near short time you may see a slight lowering of the rates but i think we are on the verge of not seeing rates in the 3's for a long time. I think you better do it now before you regret waiting.

Bond & Stock markets are extremely volatile right now. The market is correcting itself and rates are on the rise but it's hard to say if we'll see a significant drop anytime soon or at all. It all depends on our continued economic recovery. If for some reason jobs decline during a particular quarter, consumer spending declines or any other infinite number of factors occurs you may see rates drop for a short period as investors back away from riskier stocks during that particular time of uncertainty. For the most part rates will continue to rise slightly until QE3 ends, likely next year, after that rates will jump significantly as private capital re-renters the MBS markets. So to answer your question, if its makes sense to refinance now, you should probably do so otherwise risk losing tangible benefit as rates inevitably rise.

You've already missed the lowest interest rate boat. I'd say jump on the current boat today before it too leaves the dock... In MN or WI, visit www.JoeMetzler.com/rateinfo.htm

Now is the Time. Dont be fooled. Waiting will cost you for sure. Andrew Alfonso

While rates have been fluctuating, they have been on the move up. It is predicted that rates will be right around the 4.4% mark by the end of this year, so do not wait any longer! Submit your application to refinance right away, as waiting any longer could end up costing you. We are a mortgage brokerage located in San Diego, licensed throughout the entire state of California. We have helped many Oakland homeowners lower their current interest rate. Feel free to contact us for a free, no obligation quote. We offer fast and easy refinancing! 858-605-0952.

You should refinance when you're able to afford the new payment. Trying to guess where interest rates are going before deciding to lock in an interest rate is gambling.

Now is still a great time to refinance.

While you are gambling for rates to stabilize or possibly go lower, you are losing money if it is a rate/term reduction. Considering rates are most likely going to continue to rise as values will and will be in that cash-out cycle again. Lock in today and just get it done. If you got lucky and caught a downswing what are you really saving by an 1/8 or 1/4%. Over the life of the loan could be thousands but payment you are not losing much $10-30 Total monthly. Whats the chances you keep the loan for 30years or 15years for that matter. Maybe you'll sell, refinance, take cash-out. Kids go to college. Things happen. Move forward. Give us a call if you are interested in a quote. David Sanders with Crossroads Funding. 949-529-5521. Cell 760-616-1882.