I want to refinance my mortgage due to the recent low rate. Should I wait longer?

I bought an apartment in 2007 and the mortgage rate for 30 years is 6.5%. I recently went to a bank and they gave me the rate of 4.9% (as of April 09) for refinancing. It seems like Obama’s plan is working which is great. But do you think the rate will even go lower? [...] http://bit.ly/lYVQoy