Well, not totally. I'll still have a mortgage. But THAT'S IT! We re-financed and got money back to pay off our truck, our car, my student loan and our property taxes for the year. I put the checks in the mail on Saturday. I feel GREAT! We went with a 15 year mortgage and are still saving $150 per month. Although, I'll not be able to afford a car payment for the next 15 years but that's ok I guess. I told DH I better start socking away that extra $150/month for my next used car.Thanks for letting me share my excitement.