We refinanced our house today, dropping our mortgage interest rate by over 2 points. We also went from a 30 year to a 15 year mortgage. Our payment went up a mere $50 per month and over the life of the loan we will save over $80,000 in interest! AND.... we saved enough on the closing costs to buy something I've been wanting ever since Christmas, but I'll save that photo for another day. This is our home, which we bought in June 2006. I'll go ahead and confess that I did NOT take this picture today - it was taken the day we came to view it for the first time back in May 2006. That's the realtor opening the door, and Jon is carrying Karis from the van. It's the nicest place I've ever lived and although it has its quirks, we love it here!