04-27-2012, 02:12 AM
Yeah, I went to refi my house since everybody said that was the thing to do, but my original rate was 5.545%. After the banks I tried (including my credit union at work) added in all of the extra stuff they don't mention in the adds, the rate wasn't all that much lower. I said screw them. I put a good chunk down to begin with, didn't borrow too much to start, and I've been paying an extra 20% each month since the beginning. I'll just ride my original loan out till I pay it off early. I don't trust any of them.