Greetings & Salutations! I've got good news! (well, maybe not for YOU, but for me it is and I want to share it with you). I have been working on refinancing my house since December 2012, and FINALLY it is DONE! The process probably wouldn't have taken so long but we had to jump through a few hoops to make it happen. #1, we owe more than our house is worth. (not a unique situation, I know) #2, we did not have the funds to do an apprasial #3, we have PMI, which really threw a monkey wrench into things. Anyway, John got that awesome new job at Aaron Carlson, and although everything was approved, we had to provide new pay stubs, bla bla bla. Our previous interest rate with Citi Mortgage was 6.375. Our new improved interest rate is 3.75, we didn't have to start over at 30 years, and we didn't have to come up with an apprasial. We are going to save a plethora of money and lower our monthly payment. So, the stress leading up to getting this done has reall...