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We applied to have our house refinanced. It didn't appraise as high as we were hoping, which is a bit depressing. We are still able to refinance at a lower interest rate, and take a little out on a home equity line of credit which we want to put towards some debts. I'll be pretty happy when we no longer have debt....granted that will be many years down the road, but when that time comes, I'll be glad to have it all gone. But there's a lot of people out there with debt, right? Other people have to come into changes in income, and expenses...right? Oh how nice it would be to win the lottery!! I'll keep dreaming....