With mortgage rates dropping, many homeowners are left wondering if they should refinance their homes. Like many finance decisions, this can vary based on your personal situation.   On today’s show, we're here to help you determine if you should refinance your mortgage! We'll walk you through a simple formula, and discuss some caveats. You'll learn about closing costs, interest rates, pre-payment penalties, and more!   This episode is sponsored by Blinkist! Blinkist is the only app that takes the best key takeaways, the need-to-know information from thousands of nonfiction books and condenses them down into just 15 minutes so you can read or listen to. Right now, for a limited time Blinkist has a special offer just for our audience. Go to blinkist.com/investing to start your free 7-day trial!   Book a call with our team: https://goo.gl/qr6iat  Show notes: http://morrisinvest.com/episode454