Benzinga and Yahoo Finance LLC may earn commission or revenue on some items through the links below. They say  "marry the house, date the rate," which means to buy the home you want now and refinance later when rates come down. However, that strategy may not be as reliable as it sounds. According to Neighbors Bank, many homeowners will need at least a 0.75-percentage-point drop in mortgage rates before refinancing makes financial sense. Anything less than that, you're going to spend years just breaking ev ...