Finally Closed on Our Re-fi

We started the refinance process about three months ago. Finally, today a woman from the title company came over our house to have us sign all our paperwork. After about a half an hour, we were done and we had lowered our monthly mortgage payment by $440. Not bad. We now have a 4.625 mortgage rate. Plus we got a no-interest loan to pay off the closing cost, blah, blah, blah. Bottom line, we have some money we can start CootieGirl’s college fund with.

My Signature

If you liked that post, read on...

The Summer of Declutter & Other Lofty Goals on June 4th, 2015

Yard Work Day on April 25th, 2009

Getting A Start On The Red on February 7th, 2007

Flight of the Cooties on August 22nd, 2005


  1. We went with a 7-year fixed ARM loan. So for the first 7 years it’s the 4.625 rate, and then after seven years it becomes variable – but we’re hoping to be in a different house in seven years, thus no need to worry about that!

  2. Plus, it can only go up 2 and a half points over the life of the loan or something like that. I have to check the paperwork again. But pretty good deal. Plus, our rate is suppose to be 3.something the first couple of months. I have to check my notes and the documentation on that.

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