Rates for fixed mortgages are close to all-time lows.  If you expect to be in your home for 5 years or more, 

you may be a good candidate to take advantage of today's low 30-year rates (get in touch with me if you'd like to confer

about this).  Here is a useful article that discusses some important things to consider after you've decided to re-finance:

http://www.cnbc.com/id/28621770

-Jeff