<prompt> Human: It seems super soon to think about refinancing our home mortgage, but I keep seeing rates in the low 2. We closed a house in February 2017 at a rate of 3.375. Can I refinance already or do I need to wait longer. I have 13 years left on my loan so the extra would make a big difference. I am just not sure if I would get a lower rate or not. My wife CS is about 760 and mine is about 745.  <response>: I keep seeing rates in the low 2.Where are you at that youre seeing mortgage rates for 2? Auto loans are in that range, but Ive never heard of a mortgage, let alone a 30 year mortgage, being that low in recent years. Are these for comparable mortgages to what you have, or are they HELOCAuto loan rates? Another thing you need to take into account is closing costs. Closing costs are likely going to be another 3 of the cost of the house, so you would need to figure out if the savings in interest would negate the additional closing costs. 