I get about four offers a week in the mail. For the last year it has been "refinance and take cash out". Now it is "refinance and pay off those personal loans and credit cards". My mortgage is at 2.75%. Don't need the cash and a 6.25% mortgage. The only credit card I use has a low or no balance. Never carry anything for more than a couple of months. Have a couple of things we bought on 12 months same as cash and 24 months same as cash.
