Many homeowners are perfectly happy with their current mortgage because they feel that they have a pretty good interest rate, until they check out the current refinance mortgage rates available on the market.  Thirty year fixed mortgages can be had for refinance mortgage rates as low as 5.0 percent as the par or even rate and down to the mid 4.5 percent range if you prefer using discount points.  Fifteen year fixed mortgages are going for around 4.5 percent for the par or even rate and can be locked at near 4.0 percent for those that use multiple discount points.  These low refinance mortgage rates might be worth looking into if you have a 6.0 percent mortgage rate or higher.

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