Any of you considering refinance still... do it.

I just scheduled closing of a refi on my 09/11 30 yr FHA mortgage. Property value is up 30K between renovations and market appreciation (best investment I'll ever make), so I got 9K more than I needed to meet the Loan to Value to drop my PMI.

Total savings assuming both loans were paid as scheduled: ~$80K. Basically just taking my PMI and putting it to principle, same payment, same rate, down to a 20 year from just under 27 to go.

Also.. Thank you congress for giving me further motivation to do this by expiring the PMI tax credit for 2014. I'm sure you'll spend that $300 I lost more effectively than I would have...