You said:
Quote:
I realize that now I really have the chance to have the life I've always wanted. Not exactly the way I wanted, but much more promising than continuing on with someone who has the issues that xh has.


This is so true. It's in YOUR hands now, and so far, you've shown yourself to be more than capable. This refi now will start you on your way to financial stability and abundance, I'm sure of it. Good job!