We did refinance from a 7% thirty year note (at about 11 years into the note) to a 3% fifteen year note and our payment went down quite a bit plus we knocked off a few years.. I actually had saved up enough money at that point to pay it off, but didn't want to wipe out my savings, so saved a bunch more and after about 5 years into the 15 year note just paid it off around 2014.. I was motivated by uncertainty at work and whether my job would get phased out, so goal one was to pay the house off, so I did..

Of course, now property taxes and insurance have gone SKY HIGH and I'm almost making the same payments for those as I did for the house.. and they just passed ANOTHER school bond a few weeks ago that will make my taxes go up another $500 a year... stupid....

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Friendship is like peeing your pants.. Everybody can see it, but only you can feel the warmth..