A home is usually a family's largest investment. For those who have bought and kept homes while moving into a new one, they are just as important.

For this reason, homeowners should consider how much an old mortgage rate is costing them as well as how much holding that rate for the duration of the loan will continue to cost compared to refinancing for a better rate. As the cycle on interest rates reaches its lows and highs, homeowners have to determine when it is the best time to take advantage of market conditions.

The Interest Rate Cycle From Clinton to Bush

During the 1990's, mortgage interest rates on 30-year loans fluctuated between 7-9%. These rates were very favorable compared to past interest rates that had occurred during the 1970's and '80's, which had topped 20%, making home buying impossible for many who did not have the cash to buy a home outright, or the income to sustain such high monthly payments.

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