Well, with the Mortgage Rates in Brighton, Michigan hitting all time lows, people are wondering if they should refinance. The question is, can they refinance with the current decling values in the area. I would sugget that you give us a call to first understand what your home may be worth in this market. Once we establish a market range, then the refinance options will become more clear. Home values are the driving force now in being able to structure for a refinance, regardlesss of where the interest rates are headed.