I refied to 4.25% 30 year fixed, not sure why people didn't do that when the rates were so low last fall. Clubber? To hell with mortgages, here's the best move you have ever made right here <iframe title="YouTube video player" width="480" height="390" src="http://www.youtube.com/embed/bF_iiX1HepM" frameborder="0" allowfullscreen></iframe>