💡 Refinance or Wait? Here’s how to know if a rate drop could save you thousands! 💰🏡 The Fed just cut rates — but does that mean it’s time to refinance your mortgage? Not always! Here’s how to tell if it actually makes sense for YOU 👇 ✅ If it’s been 2–3 years since you bought your home and your rate is higher than today’s market. ✅ If you’re ready to drop PMI because you’ve built more equity. ✅ If you want to shorten your loan term or lower your monthly payments. Even a small drop (around 0.5