[fsstnotch]

Thanks Steve! I'll give my bank a call and see what they're offering. I like the idea of refinancing because I can then use the VA for my next purchase. I had considered selling the house at one time but with the market the way it is right now... I would probably be upside down in it. For now, renting is a fine option. I only rent it for $50 more than my payment and it is within 3 miles of Tinker AFB which will never be going anywhere since it is the home of the 3rd Herd and the AWACS. this is why i will never have a problem renting. The rent I charge is less than the amount the military gives people to live off base so It's win win for me and them.

Josh