I keep reading about all of this money available for first time homeowners, and apparently, it’s pretty easy to qualify as a first time homeowner. You simply cannot have bought a home within the past three years. So of course, now with mortgage rates falling, the big question is whether or not to refinance. It’s a serious thought, really. With a windfall and lower mortgage rates, it’s really tempting. I could get that central air and heat I’ve been wanting. It’s pretty easy to look up refinance rates, and certainly something to consider in the overall picture. This definitely looks like an option.