Glad I got our house refi 30 year fixed at 3.875%. Won't see a 3 handle rate for a LONG time.
I just closed on my re-fi last week (finalized yesterday)
I got 3.89% on a 15 year loan and killed my PMI which was nearly $500 per month. I now have credit card debt of less than $6,000 with 0% interest rate until April of next year and plan to be debt neutral by the end of the year.
All of this after losing my wife last year and having NO debt from her medical bills after she fought cancer for over 8 years. Each hospital stay was billed at nearly $500k and she spent over 3 months in the hospital before she passed away.