Just a heads' up the refinance rates now are really low. I've tried to refinance a few times and it was never low enough to make sense for us but this week I locked in a 2.6% 15 year rate with no points and only $1,300 in closing costs. It raises my monthly cost by $6 and saves about $22,000 in interest. I was talking to my dad about it and he said "Even if you decide to move or lose your job the worst that could happen is you're down that $1,300." That sealed the deal for us. Anyway, great rates out there now.