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Just a note, you can "float" down on your interest rate on your house by refinancing and having the lender pay the closing costs....and NOT have them add it to your loan but rather, they charge you a little higher interest rate. For example, I could get a 3.375% if I pay closing costs, or a 3.625% and they pay closing costs. I chose the latter today. Just thought I would throw that out there in case you havent refinanced lately. Those were actual rates as of 20 minutes ago. I was at 4%. So it doesnt have to be a huge drop to make sense to do it.