Refi.

When I bought my first house I was annoyed that my interest rate was 7% and if I had locked in my rate one day earlier it would have been 6.5%. That could have been quite a bit of savings over the life of the loan. I didn't feel that bad after talking to the seller, he had bought his at 13% and never even thought about refinancing. What is your rate? Double check and make sure, it might be time to refinance.