By: Meghan

I’m refinaning the house that I live in, and locked down a 15 year for 2.75%. I’m 4 years in to a 30 that’s at 4.5% (was at 6.5% originally in 2008). Rates are crazy low! In fact, the new payment with PITI is the same as the orignal 30 year. I’m hoping that I’m as close as I think I am to the 78% LTV mark, but the new amortization gets me there quickly if not. Feeling pretty good, except I have put a lot in to this house and 17k is still on low interest credit. I’m so glad I found this blog recently. Finance isn’t a subject that many of my local friends like to talk about but I need the inspiration of others to stay the course. Thanks!