If you're a homeowner with a mortgage originated sometime in mid-2006 and you haven't yet remortgaged it, you have more lives than Rulon Gardner.

After yesterday's stock market meltdown, mortgage rates are hovering around their nine-month lows.  Again.

This is now the fourth time since November that mortgage rates have yo-yoed to a range that make remortgaging a sensible solution for a lot of homeowners.  Each time, the window closed quickly and rates bounced back higher.

The pattern seems to be sticking today, too. 

Already, markets have erased most of yesterday's gains on the heels of in-line data about the economy, a Bernanke's repeat of his original testimony to Congress two weeks ago, and a general psychological recovery among global traders.

And, as a side note in the Rulon Gardner story:  Did you see the part of the story about where he is training to get his pilot's license? I think I like my chances better flying Oceanic 815 than on this guy's plane.

Dan Green is an active loan officer. Email or call 513-443-2020. Dan is on Twitter at @mortgagereports.