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by Barbara Hadden

On March 15 or 16, the Federal Reserve will almost certainly be raising the Fed funds rate, and when that happens, virtually all consumer rates will rise.

If you’ve been thinking about refinancing, this is your last chance to lock in at today’s historically low rates. They’re already on the rise, and once the Fed acts, your best opportunity to save dies.

You’ll likely never get a better deal on a mortgage than you will right now. Putting it off means paying more. Maybe thousands more.

You’re probably thinking that refinancing is a huge hassle. You might be worried about the paperwork, or feeling like you don’t have enough time to research all your options.

Think again. Refinancing isn’t the hassle it used to be. For example, you can get a new rate quote in seconds and pre-approval in just three minutes with a company called Better.

And the potential savings are huge: On average, borrowers who refinance save $8,256 a year, according to the site. Yes, that’s $8,256 a year. Every year.

Save $8,256 a year (before rates rise in mid-March!)

Make no mistake: The Fed will be raising rates. You could do nothing right now — in which case you’ll just keep paying more than you need to, year after year.

Or you could refinance now, and save a ton of money. What are you waiting for?

Think of what an extra $8,256 a year could do for the bottom line: Retirement savings. Home improvements. Money for the kids’ education funds. The vacation you’ve always wanted for your family.

The possibilities are limited only by the number of dreams you have. These dreams can become realities if you refinance with Better.

The application is 100% online. In addition, Better doesn’t charge origination fees, application fees, processing fees or underwriting fees — all of which means more money in your pocket.

Generally, mortgage loan officers get a fee of about 1% of the total loan. Not at Better: Loan officers here aren’t paid commissions. They look for the best loan for you, rather than the biggest loan.

And speaking of extra money, check out the Better Price Guarantee: If you find a lender with a more competitive mortgage offer, Better will match it and credit you with an extra $100. There’s also the Better Closing Guarantee: If you can’t close on time due to loan delays or issues on their end, you’ll get $2,000.

The rate you’re quoted is the rate you’ll get (assuming all the info you provide is accurate). You can lock in that interest rate if you want. There’s 24/7 phone, email or chat support.

Now you see what we mean when we say refinancing couldn’t be any easier.

You have the power to completely change your life. Better can get your quote in five seconds. Getting pre-approved takes just a few minutes more – and could save you $8,256 every year. If you’re ready to secure your new rate, get started now.

Disclosure: The information you read here is always objective. However, we sometimes receive compensation when you click links within our stories.