Do you feel like your monthly paymets are just too high?  Maybe you have a fixed-rate mortgage now with a higher rate, or maybe you have an ARM -- adjustable rate mortgage -- where the interest rate varies. Even if it's low now, when you qualify for a fixed-rate mortgage you lock that low rate in for the life of your loan.

What could you do with an extra $30,000 in cash? Maybe you want to pay for home improvements, pay your child's college tuition bill, take your dream vacation.  These possibilites are available.

Do you have DEBT? If you have the equity in your home, make it work!  Paying off other debt with higher interest rates than the interest rate on your mortgage -- for example, credit cards, home equity loans, car loans, some student loans -- means you can save possibly hundreds of dollars a month.