Mortgage rates have slowly increased over the past 4 years since hitting record lows in 2012 and early 2013.  However, catching everyone by surprise is a sudden drop in mortgage rates in 2016, and they are currently down near those record lows once again.  How should you take advantage of these low rates?  Join the conversation in this episode with Kevin, Mike and Josh as they discuss whether you should consider refinancing your mortgage, and what factors you need to take into account when making that decision.