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I have a 1 br. co-op in Clinton Hill which I bought last year, w/ a 30 yr. fixed at 6.5%. My mortgage broker just informed me this morning that rates are now at 5.375%. Wondering if it is worth it for me to refi? If the apt reappraises for $15K more than I bought it (listings for comp. apts in my building are above that right now so it is a strong possibility), then I can avoid closing costs and save a few hundred dollars a month. Wouldn’t mind more $ in my pocket, esp. as I plan on having my apartment a few more years, not to mention that the economy is looking a bit dire these days… Any thoughts/advice out there? Thanks.