Recent turbulence in the markets could be a windfall for 5.9 million homeowners. According to a report from Black Knight almost 6 million homeowners could improve their cash-flow by refinancing into a lower interest rate on their home loan. Interest rates have plummeted as international trade disputes and a sluggish economy drive investors into bonds. Home loan rates are hovering near 4 percent again - the lowest average for the 30-year fixed-rate mortgage in well over a year. Most analysts were anticipating interest rate hikes this year but now almost 6 million homeowners are in the money to refinance to a lower rate. Black Knight's report indicates the potential savings on interest totals almost $1.6 billion or $271 per home loan per month.