bought a house in southern vermont for skiing in 99, i've always refinanced both primary and second homes whenever interest rates drop, particularly 1% or more, save the difference and use it to pay next refi closing, bottom line, is 15 years into primary and 5 into second i've been able to purchase bcv in april 04, just finished doing home equity loan and waiting out rofr on 2 resales, 1 okw and 1 bwv, we also stay disciplined, we brown bag all lunches, only eat out on 3 yearly trips to disney and buy new cars every 15 years, maintain them meticulously and get 200,00 plus miles out of them, where there's a will there's a way
