FINALLY!! I can officially say that I have refinanced my house! All of the paperwork was signed tonight and come January my payment will be much much lower! I have no mortgage payment in December but ended up using the money I had put aside for it to pay the prepaid costs that are collected such as property taxes, insurance and interest.
I am looking forward to that lower mortgage payment in January 2013! This is definitely one good way to start off the year! Maybe I will make a New Years Resolution to save more money but spending money on running stuff doesn't count, right?