[widebody911]

I refi'd a about 5 years ago to 3.26%. My P&I is $930 but I still pay the $1100 I was paying before. I owe a little over $100k.

What's funny-sad is I keep getting offer letters for this program where they will "let" you make an two 1/2 payments a month instead of one, but it costs $10 a month. On top of that, the payment doesn't take effect until the 2nd of the two payments, so they're basically sitting on your money for 2 weeks. And you pay an extra $10 for the privilege!