Although you've no doubt been very busy implementing all the new safety procedures, re-figuring your financial projections, cutting expenses, and taking good care of your employees, it's a good idea at this time to also take stock of your personal expenses.

If you didn't refinance your home mortgage when the rates reached historic lows, you may want to take a look at what you might gain now by refinancing.

Today's average 30-year fixed-refinance rate is 3.67%. At this rate, you’ll pay $458.59 per month in principal and interest for every $100,000 you borrow. 

The average rate for a 15-year fixed refi is 2.95%, down 3 basis points from a week ago. Monthly payments on a 15-year fixed refinance at that rate will cost around $685 per $100,000 borrowed. The payment is more than a 30-year mortgage payment, but you’ll save thousands of dollars over the life of the loan in total interest paid and build equity much more rapidly.

It's a good time to have a conversation with your preferred lender about what they can offer you, what their costs are for refinancing, and how much money you can save.