looks like both you guys waited too long.... 
Wasn't quite ready to move a year ago.
Interest rate still lower than what I have now, though. Didn't refi there at the end because it wouldn't have been worth it since we've been planning a 2014 move now for a couple of years.
Refinance now, friends. Rates are great.
I just locked in a 3.375% Our house appraised for about $12k over what we expected, so I'm not bringing any money to close.
We wanted to do a 15 or 20 year loan because those rates are even better, but we want to do about $75k of work here in the next five years or so, so we figured we'd work on that and then refi to a shorter loan in 5-10 again if the rates look good. Otherwise, we'll just pay off early.
Regardless, mortgage term and retirement date are still in line.
