I’ve refinanced my primary home last year at 3.375% conventional 30 year. Is it make sense to refinance again this year? The lender is offering 2.725% for a 30 year and 2.25% 7 year ARM or a 2.375% 10 year ARM. I’ve purchased some points to get 3.375 % last year. We are planning to stay long term at this house.