Here is an example of a refinancing by typical brokerage unnecessary markup interest rates.

Nobody can predict what interest rates will do, and your situation is different from any other.

Usually, it may take more or less than 45 days from the date of application to close.

As there are a number of refinancing loans to choose the suitable loan for you will depend on your personal and financial situation.
However, it is common knowledge that maintaining mortgage payments is more difficult as the economy is still pretty pink.
If you are qualified, then go ahead and get your home loan refinancing a mortgage company reliable.