My turn to confess & Introduce

Here is a few little pieces of advice that you may consider. I don't now what you put down on your house or if you are paying mortgage insurance on your payment. If you are you may consider looking around at other banks for a cheaper interest rate at a very low refinance rate. When we bought this house we could only get 6.25 with 10% down and we had to pay insurance on it the payment because it was not a 20% down. 6 months later I found a bank that for 299.00 would refinance the house on 4.9 with no mortgage insurance because it was