That’s so Fred Flinstone.  These days we don’t rely on an abacus to do complex math, nor do we hold on to outdated rules of thumb that could actually cost you thousands of dollars over the term of your mortgage.  The truth is there is not set rule of thumb given all the individualized factors.  Our advisors can go through a cost benefit analysis of your current loan to determine if refinancing makes sense and will achieve the goals you have in mind.  If it makes sense and there is a benefit to refinancing we’re here to help.  If there isn’t we’re also here to help tell you to stick with the great situation you already have.  Achieving the American Dream means deciding with data and facts and not outdated rules that may set you back and we’re to help you.