Conventional wisdom has been that you should refinance your mortgage if you can lower your rate by 1%. That is still true, but some customers are even saving money by lowering their interest rate by less than one percent. Depending on your situation, it might make sense for you to refinance. Contact us today to see if refinancing is right for you! Your friendly Intercity State Bank mortgage lenders are: Julie Jacobson, Michelle Knopf and Tracy Engman.