Mortgage rates are historically low you can easily refinance these days your mortgage to 3%. It is the best way to save money. Search online for "Mortgage Refinance 123" they did 3.54% refinance and free analysis of my current mortgage. Learnt the refi secrets there.
The market rates may have gone down, or remained the same. For the homeowner to get qualified for lower rates, there are certain prerequisites but I would recommend you search online for "Mortgage Refinance 123" before you decide because they can find the 3% refinance rates.