Refinancing the Mortgage for 3.5%

Forget saving money on the car insurance rate, (really, forget it - carinsurance is not a good subject around here) but at least we will be saving a pant load of money on our mortgage.   We have a tentative closing date for next week.  The best part - the new mortgage is 15 years so we will be paying off the house faster.  We actually slightly increased our payment but it will be worth it to save tens of thousands of bucks over the life of the loan and have the house payed off about the time the kids are in college.  And really - what can beat this rate?