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Keeping in mind the current economic crisis, rates are really low. You can refinance your current mortgage into a fixed rate one during this time. This will also help you in saving some money. It my opinion it is a good option for you.
Well, you never know whether the rates will fall further or not. I don't think you should wait for further lowering of the rates. In my opinion if you get good offer now, you should go for it.
Feel free to ask if you have further queries.
Sussane
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