A Refinance in the Future

So with interest rates at the lowest in history, we have decided to refinance our house. This will be our first time ever doing this, but can save a more than $100 each month on our house payment. We are a little nervous about the appraisal since the market is still bad and houses aren't appraising for what they are worth...but, we are going to give it a try. If it does not appraise for what we are hoping for, we will have to pay a small fee upfront. Otherwise, we don't pay anything, which is our hope. So in the preparation for the proposal, I am working on a few small house projects this week and weekend. I will post pictures soon...and I am still working on staining the fence I told you about earlier.