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Enter your current mortgage rate, how long you plan to live there, etc  and the calculator determines how far interest rates need to fall before you should refinance again.

I have a 4.5% interest rate and I was considering refinancing again to get a 4% rate.  Turns out, bad move.  If you have similar thoughts, I recommend checking out this calculator.  Visit it at http://zwicke.nber.org/refinance/.