Mortgage rates are the lowest they’ve been in almost 40 years. Can they go lower? Hard to say. As Yogi Berra once said, “Predictions are hard to make, especially when they are about the future.” Rates may, in fact, go lower. Even if they don’t, however, the time for many members to refinance is now, a fact of which they are frightfully aware as those of us in the mortgage business know full well. Refi Readi©.pdf