<prompt> Human: Just got this email from my mortgage company: Interest rates wont be this low forever. Thats why now is a great time to learn more about your refinancing options. With home values rising, you may even be able to reduce or eliminate your mortgage insurance.Company has found a simple way to help you lower your rate and payment. Heres an example of how much you may be able to save:Current Rate:3.75New 30-yr Fixed RateAPR:4.125 4.166Current Payment:1,224.89New Payment:1,092.89Potential Monthly Savings: 132.00Potential Annual Savings: 1,584.00And they dont even mention closing costs.  <response>: Act now for a new rate higher then one youre paying now! Pay more, more, more! Hurry now to lock in that higher rate before its too late. 