go to a search engine and type in "best mortgage rates" find lenders that are going to offer the lowest rate.

Find a broker that you trust. He or she will be able to look at many rates and knows where the hidden charges lie. Getting a loan on-line is a very bad idea and it is a fact that many on-line searches will either turn around and sell your info, or get you to pay a non-refundable fee with your application. Once you have paid the fee, they really don't care if you buy their loan or not, they already made a commission. Getting a loan from a bank may also seem like a smart thing to do but banks are not required to show you all the fees included in the loan like a broker is required to do. They don't even call their fees by the same name. A trusted broker in a low rent office who survives by word of mouth referrals will find your best deal.

I have a fixed apr but i was offered the chance through my bank to refinance? not at a fixed apr but it would be a lower intrest rate should i take the chance?

That depends on your future plans. Do you intend to live there several more years? How fast are homes selling in your area? What if you hat to live with the new loan forever? What is the new rate tied to? Does it have an annual reset? Does it have a cap? What would you be doing with the savings you generate from a lower rate?

Google is place where you can find each and every thing.