Refinanced

Yesterday we (finally) closed on the refinancing of our home (after four months) It was pretty nerve-wracking, what with all the papers to sign and money to hand over. Art was nervous about the cost of refinancing, even though we are saving loads by doing so (and our payment went down every month so that's nice, too). He just hates spending money (unless it's for a new tractor...or truck...or any farm equipment, really). We dropped down to 4.25% interest rate and it was very heartening to hear the title lady say that she has been extremely busy with loan closings and she has never seen a rate that low. Yay for us!