Ryan Tufts from Harbor One Mortgage joins Chris. From a historical perspective mortgage rates continue to be very low and the environment is very competitive. If you are thinking of refinancing, it may be good time to talk with a mortgage representative if your rate is above 4% and/or you are still covering mortgage insurance. AMR talks about when to buy a house: Should you buy when interest rates are high and prices are lower? Is it always more advantageous to purchase a home versus renting?