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maybe i should consider refinancing. who do these low rates really help in your experience? they help new home buyers primarily. first time home buyers even more. refinance rates are actually a little bit higher than purchase rates. generally a half a percent or a little bit more. for example, if you were to buy a 30 year fixed home mortgage on a $200,000 home you re looking at about $800 a month. this applies tow people that have a credit stkoer score of about 680, 20% down, been in your job for two years. they can have a bankruptcy but not for the last ten years. no foreclosures for five to seven. they go up to $417. above that you re looking at a jumbo or conforming loan that does have higher rates but they are available. jenna: most people s mortgage are at a higher amount than what it s currently wofrplt it mean