text:  On Wall Street, the Dow Jones Industrial Average right now is up by 101 points. This is SRN News. Are you one of the millions of homeowners who haven't refinanced yet? If so, I'm here to tell you it's not too late. Hi, I'm Wesley Hogan with Westland Financial. Although the lowest rates may be in our rearview mirror, as the economy recovers from the biggest economic shock of our lifetime, rates still remain near historic lows. In fact, with the dramatic increase in home values, this may be the perfect time to put that new home equity to work.