Worth it to Refinance? Where are rates going?

[Will F.]

Hey guys do you know good calculators for figuring out breaking points for whether it's worth it to refinance loans?

I'm currently refinancing everything from personal home loan, our residential investment properties and our commercial loans.

Second question: Where do you think current rates are going? They've gone up so much in last few weeks. Do you think it's possible that they've raised them too much in a short period of time, so perhaps they will lower them a bit more? Or are they just headed up at a fast pace?

Any advice or resources would be great thanks!