The PMI on my mortgage has just ended, which is a good thing. So why is this post here instead of "share your badassity?" Because I failed to either refinance or pay extra on it -- I've just had the damn thing for so long (5 years) that the loan amortized down to 78% naturally.
And the worst part is, now I have even less incentive to get off my procrastinating butt and re-fi my 5.25% (30-year-fixed) interest rate (especially since my loan terms disallow me from refinancing to anything other than another 30-year-fixed for another 5 years). In fact, refinancing might not even save me money anymore, unless I wait another 5 years until I'm eligible for a shorter term....
