Actually, it seems like they are lower now than my current 3 percent, 15 year fixed. But I guess it may be not be low enough to have the fees covered so it doesn’t make sense to refinance.

I usually get a call to refinance when it makes sense. Last time was at 2.75 but I was too slow to take advantage before rates went back up.

No more refinancing for me though. I’m thinking of just paying off the mortgage.