I am sorry indago but your posts are boring and you either need to get some personality or something. You just post a snippet and no message or anything. We at CC do give ANYONE a chance. Make it count dude.
This may have merit Gina, in the last 18 years we have sent our money for mortgage to at least 4 different places.
At no time were we advised about the interest rate going up or down, at not time were we asked if we wished to move to another company or what the new company had for by laws.
Another odd thing, we found papers that stated we had paid off most of the principle but each payment only put less then $100 towards the principle, yet we cannot deduct the interest from our income tax.
Very odd world out there for people that have no experiences in realestate or tax law.
We never refinanced our home as others did, we are not young and adding another 20 years to the lifetime of the mortgage was out of the question.
So here we sit with the market going up, down and side ways and wondering if we should borrow from a 401k plan to pay off the debt as tomorrow who knows what the 401k will be worth.