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[quote=Anonymous]Op here, thanks for your kindness! I appreciate the commiseration and the perspectives from others who have different concerns. And, counting blessings is always the right thing to do but I have difficulty doing it some days. We have refinanced-- thankfully! It would have been far more difficult if rates hadn't gone down so much. We aren't at the lowest rate but I think closing costs mean it wouldn't make sense to refinance now. We already used the no cost closing option. We are paying more each month to retain the original term and a 13th payment a year just to get ahead but I am trying to convince my husband that we should cut one of those things out.[/quote]
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