my mortgage company thinks i'm stupid

[WolverineDG]

ok, i don't have the world's greatest credit anymore (my fault, bought into all the "buy buy buy" stuff for the past few years), but now i've seen the light. i've used some inheritance money to pay off most of my credit cards & spent some time today gathering info on what i owe, to whom, interest rate, monthly pmt., etc.

sooo, what do i find in my mailbox today? a nifty "re-fi your home & get a new payment that's $200 less than your current payment!!!!" TWO PERCENT??? WOW, THAT SOUNDS REALLY NEAT-O.....oh wait, there's a catch...it's a fixed rate for only 6 months, then it's an adjustable rate...oh really? gosh, gee, um, sorry, think i'll stick with my now lousy 7% FIXED. ::toss offer in trash::

sounds like mortgage interest rates are going to be sneaking back up again really soon.

dg