i refinanced my home which took longer than I thought it would, or should. I started the process back in June after sevral months trying to convince my wife it was a good idea. Sometimes she can be a little negative which gets on my nerves but then her over cautiousness is sometimes a good thing so all and all, I'm glad she is the opposite of me in that and many other reguards because it gives both of us a chance to look at things all many viewpoints.
It turned out to be a good thing in the end and my wife is happy. She gets to skip the December pyment and gets $500.00 back to boot plus a lower monthly payment. Our house payment (not including what comes into escrow) is now less than we were paying for that tiny apartment.
Now if only I could sell my mountain property..
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