they say the magic number is 1/2 a percent below your current rate in most cases...just sayin'.

really hoping to have a moment of perfection so we can lock in a loan

we just refinanced at 5.5, but it hits 4.75 or 4.5 we'll do it again.

yeah, my realtor folks seem to think the 1% is the magic number, but I'll move at .75 since we just did it and still have 30 yrs to go

no, no just one mortgage, two babies (er uh 3). Unless you meant you have two mortgages, then yes, Ugh.

it might be worthwhile to think ahead to how low rates will go in 2009. But of course it also depends on your credit rating, etc.