Not sure exactly what your question is, but refinance volume is up dramatically as rates have fallen to lowest levels ever. Lenders are getting refinances done daily, can’t see any reason to wait to at least investigate your options with a knowledgable lender. The new FHA streamline program allows borrowers to lower their rates with no increase in loan size and no appraisal, awesome program. Call me with any questions on that program.
Ted Rood 314-740-0004