[quote=bearishgurl]Why do you want to refinance so soon, Mark? Did you remodel and re-landscape it sufficiently so as to appraise for enough to get you out of the (FHA) MIP??[/quote]

That is our hope – we’re eager to get rid of the MIP, and if we can get a lower interest rate as well, we could cut our payment by over $500 a month. That would be really nice.