I might have infected the whole title company, but I just got back from closing on my house refinance. Yeah, it starts the 30 year period all over again (it will be paid off when I’m 72!) and I’m borrowing almost as much as I did 5 years ago when I bought the house (to cover all the closing costs) and it now means I’m a lifer at my company (I get a 1.5% interest discount as long as I’m an employee there), but my payments will be $250 lower every month. After five years, they drop another $58. And as a surprise bonus I didn’t know was coming: no house payment in December. Wee!

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