This year will be the third year since we bought our house. We've been thinking about refinancing in order to get a lower monthly payment. That would mean talking to mortgage lenders again and that really sucks. Our payment isn't terribly bad so it's nothing that we need to deal with immediately. But everyone wants lower bill payments, right? Then again, I'd really like to move into a larger house. Our current house is pretty small. Always wanting bigger and better, that's me.