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Right time to refinance home mortgage?

Discussion in 'BBS Hangout' started by Clutch, Dec 19, 2008.

  1. Dubious

    Dubious Contributing Member

    Jun 18, 2001
    Likes Received:
    If I could get 4.75 and cashout a little equity I might actually spend a little money on some things I need.... flooring, some counter tops, a newer used car, to get out of town for the first time in almost 2 years.

    I guess that is the idea of overnight rate cuts, but I too think the rates haven't translated through the system down to refi's. I guess mortgage bankers aren't in full panic mode.

    But, I'm armed with a badass credit rating and willing to waiting them out. I don't think we've hit the the bottom on the economic slow yet. I don't see any earnings growth (other than via cost cutting) anywhere for any reason really.

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