CTH-
What did you learn about the refinancing? I have also been watching it because I have been trying to refinance since before XH left and couldn't because of the flipped mortgage. I have never been late on a payment and actually pay a little extra each month. Is this something that is going to help me?

In the D, I have until 2014 to refinance, but if I can do it sooner that will help me financially because of the lower interest rate. smile

Thanks!

Me29 S3
H left 4/1/09
I file 8/2/10
Divorce final 5/17/11
1st http://www.tinyurl.com/25lhu52
2nd http://www.tinyurl.com/2c35ueg
3rd http://www.tinyurl.com/322yk89