Didn’t know we were thinking about it? We were.   But…we’re not.     It started last year while we were attacking our debt snowball. We looked into refinancing our current mortgage into a 15-year. To do so, we had a realtor come out to the house to give us an idea of the value.   The news was not good.   When I say not good, I mean…not. good. We were expecting it to be bad, but not that bad. And