This document promotes refinancing a mortgage to take advantage of historically low interest rates. It states that rates are unlikely to go lower, so refinancing now can save thousands in interest payments over the life of the loan. Refinancing is recommended if the borrower has an adjustable rate mortgage over 6%, an interest-only loan, or is considering their financial needs for the next 4-5 years. The author, a mortgage consultant, invites calling to discuss refinancing options.