Have you heard that interests are high?
I want you to consider "perspective."
This morning's interest rates were hovering at 7% for an average 30-year fixed mortgage. Indeed, different loan products can adjust at other times- they may go up or down.
There are ways to adjust that interest rate by doing certain things. Most other agents either need to learn or will not lead you in the right direction. So instead, they will say, "Just refinance."
Work with an agent you can start if they start talking about things that seem too good to be true - RUN! Because it's NOT in your interest.