I have often walked my dog along the shores of many Southern California beaches, often stopping to look at the surfers, as they ready to swim out to meet the next wave.

I watch, as the surfer's look for the perfect wave, and then they swim out to meet it. They meet the wave, let the swell lift them and ride the wave back to shore.

I think this is a good analogy for today's Real Estate and Refinance market. Interest rates are at a 24 year low. Those who swim out to the wave will be the ones who benefit.

One must remember, as in nature, once the wave has come to shore. One has to wait for another perfect wave. In the financial world, it maybe 24 years before these low interest rates come again.

Suzanne Horsburgh