BEFORE YOU HEAD OFF TO THE DARK SIDE OF REFINANCING DUE TO EXTREMELY LOW INTEREST RATES.......READ THIS. http://finance.yahoo.com/loans/article/110512/a-15-year-mortgage-isnt-for-everyone?mod=loans-home GET YOUR FREE CREDIT REPORTS WHILE THE LAST! Here's a site where you can get a copy of your credit report from the 3 different credit reporting agencies for free. You can only do this once a year, but it's definitely worth the effort.
https://www.annualcreditreport.com/cra/index
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