In the last few months there have been a lot of changes in the real estate market including a drop in mortgage rates which has triggered a refinance boom. This discussion talks about the value that can be captured when a homeowner refinances. There are two different reasons for refinancing - 1. Rate and term & 2. cash out. If you are a homeowner this will be a great episode to sink your teeth into if you are are savvy and want to see if you can capitalize on the market's current condition!