Ok now I’m scared, they put you through all that crap when you have the house half paid for. As I was telling my wife last night we will actually lose some interest write off by refi’ing and we didn’t get a full year in ’09 as we bought in Feb and didn’t actually start paying till April. Rates look like they are heading down so I’m going to take my time with this refi and see if I can close closer to the end of the year. Thanks for the info flu.