Refinance

I just started the process to refinance my house. I know I've been paying too high an interest rate, but hadn't done anything about it. I got a letter from my mortgage company about refinancing, so I gave them a call and said, "do it", before I could procrastinate any more. If everything goes well I should be paying about $30 more each month-but lowering my interest rate to 4.125% AND only having a 15 year mortgage! Kind of exciting, really. I started the application by phone, then sent her a bunch of signed documents. I should get a call to set up an appraisal in a few days. I have to get cleaning! YIKES!