I apologize for being a bit confrontational. I just wanted to point out the other of the story since I believe that the decision is not so black and white.
So, from the $432 in savings you mention, you have not subtracted the principle being paid off every month, right? This will get you even closer. I guess unless you had an I/O which I don’t think you did.
Personally, I think you made pretty good moves. You made $30K in 1 year after taxes! But I also believe that there are people who’ll trade that 30K to keep the home.
