You’ve probably heard that people who put money away for longer periods of time earn more money than those who put away money for a short period of time. It’s called an “inverted yield curve,” and it’s typical in investing. Well, right now things are upside down and backwards. The 10-year Treasury is paying much lower interest rates than it was 4 months ago with rates at about 4.6 percent. That’s important to you because the treasury directly affects what mortgage rates people can get. And people aren’t thinking about refinancing or filling out paperwork around holiday time. So, it’s a great time for you to take advantage of the slow down. You can shop your refi all over right now – both online and at banks and credit unions. If your credit is rock solid, you can get a loan in the five-percent range on a 30-year loan right now. Many are paying more than 6 percent, but it is possible. For 15-year loans, you can get below 5.5 percent. Even if you don’t have great credit, you can still get a good deal. Also consider a home equity loan if you have a second mortgage. Rates on HELOCs are great at credit unions, if you’re willing to borrow for five years and you have good credit. So don’t sit on your hands. Take advantage of this opportunity.