 And I'm Madeline Cannon. It's true, rates aren't as low as they have been for the past couple of years, but there are still many homeowners that could benefit from refinancing their current mortgage. There are a lot of things in life that are out of our control, but your mortgage rate is not one of them. If you currently have an adjustable rate mortgage, then you owe it to yourself to give us a call. Adjustable rate mortgages make sense for some people in stable markets, but in this wild, ever-changing rate environment, it only makes sense to secure a fixed interest rate.