so whens the best time to refi

Now is a great time. Although it is impossible to predict rates with exact accuracy, its pretty safe to say we have hit bottom and rates will not go back to 3.5% again. They are pretty volatile right now though so my suggestion for you would be to get the process started and float the rate. Work with a loan officer who follows rates and they can help you decide the best time to lock. I am a lender in San Diego and am licensed throughout California. I do my best to follow what is happening with rates and their current trends. If you would like to discuss your options, you can call me at 858-412-0712 or send me an email at adrielle@californiamortgagedirect.com.

The best time is now as rates are shooting up. If you need help with going through the options please let me know. P: 888-320-7888 - Ken@MortgagesforAmerica.org

Hello -- as noted below, the best time could be any day now, depending on your situation, and what rates do in next couple days.I would suggest contacting one of my associates at Bay Equity in San Francisco at: 415-632-5150; or at San Jose office at: 501-604-6526to get the specific information you need to make an intelligent decision.

If you haven't yet, now is the a great time to refi. No one can predict rates but they are off the all time lows and have jumped up a bit. That said they are steady with a slow tick to the downside but most in the industry believe they can only go up. The most important thing is to discuss your situation as soon as possible with a mortgage pro to see what options are available to you.

it would have been 3 months ago... but since that window has passed, you should not delay if your considering refinancing.. rates are on the rise, and they will continue to go up as the economy recovers.. .. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

it would have been 3 months ago... but since that window has passed, you should not delay if your considering refinancing.. rates are on the rise, and they will continue to go up as the economy recovers.. .. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

Waiting could yield you a better interest rate. Not likely as rates are predict to rise even more than they have. Its a funny question and get it all the time. Sometimes waiting for that .125 or .250 isn't much of a difference payment wise or other the life of the loan. You would wait 6 months and you are losing money in the process depending on the benefit from the refinance. If it is a cash-out refinance and you are going to invest the money you could be losing even more money from waiting. The best time like William said was 3 months ago. Rate wise. You should move forward and get it done before rates go up higher. Once its over with you can begin planning everything else in your budget/investment opportunities. If you have any questions or want to learn how to develop a long term mortgage plan let me know. I am licensed in California. David Sanders. 760-616-1882 www.homeloansbydavidsanders.com www.crossroadsfunding.com NMLS 1052080 DRE 01930045

If you currently reside in Big Sur, an area of great natural beauty, I would say if refinancing saves you enoughmonthly to help you provide your minimum financial needs to live a good quality of life...go for it! Otherwise,no one knows how much of a dip, if any in rates, we possibly could expect before rates stay on a forever higher tierfrom previous levels, or current levels of rates.

If you currently reside in Big Sur, an area of great natural beauty, I would say if refinancing saves you enoughmonthly to help you provide your minimum financial needs to live a good quality of life...go for it! Otherwise,no one knows how much of a dip, if any in rates, we possibly could expect before rates stay on a forever higher tierfrom previous levels, or current levels of rates.

Now, before rates go up again.