http://www.mortgagenewsdaily.com/consumer_rates/292257.aspxEarlier this month, I did an interview with the San Francisco Chronicle about repeat no-cost refinancing in a declining rate environment. The piece came out January 4, the day after minutes from the Fed's last 2012 rate meeting were released. Those minutesenCommunityServer 2008 SP2 (Build: 31106.96)http://www.mortgagenewsdaily.com/consumer_rates/292257.aspx#292447Tue, 22 Jan 2013 22:19:49 GMT2bb7a989-b681-446d-a7f2-bd5f0562f228:292447Ted RoodSo true, Julian. I&#39;ve always said that part of something is better than all of nothing, and I&#39;d really stressing that to my clients currently at 5% or so, who think rates will soon be at 3%! Procrastination is NOT the answer.<div style="clear:both;"></div><img src="http://www.mortgagenewsdaily.com/aggbug.aspx?PostID=292447" width="1" height="1">