Refi rates just took a dip—30-year fixed is now at 6.28%. If you’ve been waiting for a sign to lower your monthly payment or pay off your home faster, this could be it. The catch? Closing costs can eat into your savings, so grab a calculator before you jump in. Pro tip: polish your credit score and pay down debt to snag the best deal when you’re ready! #RealEstate #MortgageTips #Refinance