[quote=FormerSanDiegan] . . . My guess on where these rates are in 12 months … 3-4%[/quote]

That’s why I’m doing nothing and currently enjoying the ride, as I have always done. Assuming I could even qualify, why would I want to pay closing costs and start all over again when I’m already almost 10 years into the amortization? I plan to put my place on the market in a little over 3 years.