to see that. gregg: everybody will be able to do so at mounted vernon. heather: coming up interest rates, fixed rate mortgages at incredible lows. fears may is now the time for you to take advantage of the super low rates to refinance your mortgage? joining us now is patricia powell, founder of powell financial group. thanks for joining us. thanks for having me. heather: the average 30-year fixed mortgage at historic lows. should people take advantage now is the time for buy and what about refinancing? a lot of different questions. certainly these are historic lows, 3.66 on the fixed, 2.95, these are great rates. if they are all time lows they are hovering close to that level. it s certainly time to consider. if you haven t already