text:  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. Take advantage of our cash-out re-buy program and pay off high-rate credit cards, car loans, or other high-interest rate debt.