Thinking about lowering your monthly mortgage payment? Refinance rates just dipped a bit, with 15-year options looking especially sweet. But here’s the catch: fees can eat into your savings, so it’s smart to crunch the numbers before you jump. If you’re planning to stay put for a while, refinancing could mean more coffee money each month. Pro tip: polish your credit score and keep an eye on rates for the best deal! #RealEstate #MortgageTips #Refinance