 Hi there, I'm Kim Williams with Alabama Home Mortgage. 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.