homey the clown says, "refinance your home" and come out with mo' money, mo' money, mo' money!
i was pleased as punch to have originally bought our home for something like 5.75% back in 2005. i mean, that was crazy low interest then. but rates are even lower now. in the mid 4's. so naturally, it made sense to refinance...even more sense with the zero closing costs offered by our bank. the only output on our part was a few minutes of paperwork and an hour last week with the notary to sign the papers.