bought my first house this summer, new to whole home ownership thing and learning things as i go. noticed in the paper yesterday that the rates are a whole lot lower now than when i bought my house in late April of '08. my finance rate was Fixed at 5.75% (still a great rate!) but now i am seeing rates between 4.50 and 4.75 on the same term mortgages (30 year fixed). i have owned my house less than a year and have a great rate but would be nice to have it even lower! i am totally clueless on "ReFinancing" and what the rules are. what am i looking at as far as Refinancing?