KC, did you check with a local Credit Union about refinancing your house? We switched our mortgage over to our C.U. and got a better interest rate. When the rates came down even more a few years later, instead of refinancing, we paid $500 and did a 'loan modification' to get the lower fixed rate. Along with getting the lower rate, we switched from a 30-year to a 15-year loan and it only raised our monthly payment about $75.