Hoo and Ray and Ray and Hoo!! I keep seeing a notice in my mortgage statement that you can refinance easily through the company that already has my mortgage. So tonight I picked up the phone and called. It's not a done deal and I'm not celebrating too much yet, but it's nearly certain that I will be able to go to a 20 year fixed at 4.85. Considering I'm at a 30 year fixed at 6.0 that's a deal. I have to send a few things in, but I discussed the self employed new business issue with him and he said it's not a problem.
The best part is I get Marriott rewards points for refinancing. What a kick! It's not 1 for 1 or anything, but it's making a NYC fall vacation a lot more tempting