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Everyday the market is changing and I do not know when the best time is to refinance. I am scared by the terms our mortgage broker uses about having to lock in a rate. I am not a gambler and I do not wish to start gambling on a major investment such as a house. I need some mortgage advice on when the absolute right time would be for me to refinance. Have I already missed the opportune time or does that change as frequently as the market? I would think that a long term note is not easily changed daily.