There are really only two options that you need to take in the next few weeks.  If your property is working for you and meets your present and future needs than you should absolutely consider refinancing your property as rates will never be this low.  Most people do not realize how low these rates really are:

• We have had clients hover around a 3.3% 15 year loan ~ which is $709 per month per $1,000 dollars per month
• We have had clients hover around a  4% for a  30 year conforming fixed rate or $490 per month