My apr on my home is a 30 year fixed right now at 5.61% or something like that. I've been in the home for a few years only and I see that the rates are now in the mid 3%'s. What is the rule of thumb to refinance your home when its like this? I had one bank tell me it wouldn't be a good idea to do this right now that it wouldn't help me. The bank that told me this is the bank that I currently have my home under.