[widebody911]

I refi'd a few years ago, but I've been making the same payment, with the delta going to principal.

I'm in the process of refi'ing again, but this time, instead of letting them roll the loan fees and escrow pre-pay into the loan, I'm paying those out of pocket. It dawned on me that it doesn't make sense to pay 30 years of interest on $2500. Hell, I'd be better off putting it on my credit card and paying it off; at least that way I'd get the rebate my CC offers.

When I bought my house in 2000, I was paying 7 7/8% Right now I'm paying 5%, and the new loan will be 3.5%