Thank you for everyone giving me your advice, I really appreciate it. We just are set on selling this home, not refianancing, as we think that are children will have a richer life being in a neighborhood. We would be debt free, except of course our tree service, but on a personal level, we would be stepping down, but also having extra money for things that we never have money for.
I guess I am just reliazing at the ripe old age of 26 years old that sometimes more simple is better.
I tried listing our home on craigslist in the NY area, but nothing yet, finding an actual site that everyone looks at "for sale by buyer" is tought for me to find.
We are selling as in conditon, take it or leave it. We just don't have the time, or extra money to paint the whole house, re-carpet, re-tile. I would miss all our recent hard work landscaping, making walkways with stone off our mountain, all my herb & flower planting, and our recent playground that we just put in. But times have to move ahead here.
P.S.- I put a picture of our house on my yahoo pictures, at the bopttom of my sig. It's not the fanciest house, but a nice home with a great view of the river.