What is a second chance? An opportunity to try something again, a fresh start, or a do over (or if you play golf consider it a mulligan). If you’re a homeowner, the current market conditions may be giving you that second chance right now. You have likely heard that mortgage interest rates have plummeted to very low levels never seen before. And unless you’re a mortgage professional; like most people you’re left wondering if there’s something you should be doing with your mortgage?