Gee EDM, didn't think there was enough money in all of Idaho to refinance that house ya live in. I hear from the locals up there the place even has it's own zip code. Honestly I would not bother paying an extra dime @ 3.% Most likely can get more than that from some income fund . My little place is payed for now for 7 yrs. It is nice to pay it off and I never got below 6.75%. First house was 11% so I'm engrained to pay off the mortgage.

But the fruits of the spirit is love, joy, peace, patience, kindness, goodness,faithfulness, Gentleness and self control. Against such things there is no law. Galations 5: 22&23