Rates are at an all time low, so re fi today and save.  Use our mortgage calculator to see how low your payment will go at today’s rates.  You may want to take cash out for needed home improvements.  Refinancing into an fixed fha loan can help you get back on track and rebuild equity in your home.  If you currently have an fha loan, you may want to take advantage of the fha streamline program, which allows you to refi with minimal paperwork and effort.