Who is all looking to refinance after the 10-year tanked? I have a solid rate at 3.5%, but may refinance now as rates are very appealing. I may wait until more lenders start offering new rates that reflect everything going on. On bankrate, I found one lender offering 10-year fixed refi at 2.5% / 2.68% apr. I've never refinanced, but I hope it is easier than the original purchase. Thoughts?