Thanks mama. Home refi is all done, went great! Saved us a couple $100 a month plus a ton of interest. Need flood ins now though and are actually in the process of looking for a land surveyor to do an assessment for us that is required by the insurance companies in Florida right now, otherwise it could go up like 500%. That's nuts! That is looking like $250. Then $250 for car insurance deductible bc I hit a pole. Then $500 for dog (not that bad actually), then $3000 for baby delivery. Tough month in the W house. We'll recover. At least everyone is healthy. Well except the dog.