Refinance

[smokin5]

I'm in the process of refi'ing as we speak (type?).
Supposed to close Friday.
Dropped my rate from 5.75 to 4.5, reducing my
monthly payment almost 23%.
Granted, I'll be paying 7 years longer,
but at that rate, who cares? I can pay it off
early, or let my money ride at an historic low rate.