I have been floating since may on a refi, is now the time?  I think I can get 5.125.  I am currently at 6.25.  I don't NEED to refi, just want to improve my rate, I can wait longer, but should I?  Is there any long term sentiment towards rates getting lower?  I don't know my debt to income ratio, but I will say we have no other debt than the current loan at about 206k.  I was told my debt to income ratio was 'very good'.

Thanks,

specifics are always important...but per your post you should easily be under 5% today.  Feel free to call or email me.

Jesse