Low mortgage rates have some homeowners considering a refinance, even if it it’s been less than a year since they bought their home. And those who aren’t thinking about refinancing probably should consider the possibility, if they have the necessary income, credit and home equity. “If they just bought the place in the last year or so, chances are their timetable hasn’t changed dramatically, yet mortgage rates have — and that opens the window of opportunity to refinance,” said Greg McBride, senior financial analyst for Bankrate.com. Because they moved in recently, those homeowners presumably still plan to live in the home for a number of years, and therefore have plenty of time to recoup the costs of a refinance. Rates have been hovering near all-time lows, with the 30-year fixed-rate mortgage averaging below 4.25% for the past three weeks, according to Freddie Mac’s weekly survey of conforming mortgage rates.