We were going to refinance a while back but we couldn’t do that. So we decided we would sell the house. Now it looks like we cannot do that either. With the value of the house having dropped would either have to do a short sale or have about 13K cash to bring to closing to cover closing costs and Realtor fees. We don’t have it. So, now we just have to hope that maybe we can get approved for one of these special programs that the government is making mortgage companies provide. The problem with that is we are not in danger of loosing the house. We are current on all of our bills. We just want a lower interest rate so we can lower our payments. And it’s not a small amount either, we could potentially save $400 a month. But with our luck we will just be one of the families that falls though the cracks because we don’t qualify under the idiot programs.