Lately, the stock market has had its fair share of ups and downs--and most recently, it feels like a lot more downs than ups. For most people, a dropping Dow Jones Industrial Average means a loss of confidence, and maybe even some panic. But for the wise, it's an opportunity.

See, the stock market is fairly closely tied to interest rates. When the stock market rises, people are making money and feeling confident--so interest rates rise. When the stock market tanks, people are losing cash and feeling nervous--so interest rates fall. And have they ever.

So the burning question is: How can you make this work for you? And the answer that rises up like a phoenix from the ashes of the NASDAQ is: Refinance.

Refinance your home. Lenders have long thought they'd seen the bottom of interest rates in 2010. Turns out they were wrong. Because with the rather large plummeting of the stock market in July and August of 2011, interest rates sunk even lower. And for a homeowner who's looking to refinance, that can translate to hundreds of dollars or more in your pocket each month.

And if there's one thing this rough economy has taught us, saving money feels the same as making a profit.

Marc Dooley is the Chief Marketing Officer for CashCall, Inc.

CashCall Mortgage specializes in low interest mortgage loans and home refinancing for borrowers with good credit. Founded by the people who created DiTech, one of the first direct-to-consumers mortgage companies in 1995, CashCall Mortgage has streamlined the application and lending process, reducing their own costs and passing these savings on to customers by undercutting banks and other lenders with lower interest rates and no application fees, deposits or points. CashCall Mortgage offers a variety of products such as 10, 15, and 30-year fixed rate loans, FHA Loans, as well as a 125% Second Mortgage, allowing you to borrow up to 125% the value of your home. www.cashcallmortgage.com