Mortgage refi

Well since we got one of those seven year baloon thingies we are going to have to refinance next spring, and Slade filled out one of those Lendingtree applications and the mortgage brokers are hitting us pretty hard. Looks like some of their tricks in their bag have gone away and they must be desperate for business. (They make you actually have money now, it seems). It is a good thing that our balance is about the size of a carloan or it would be pretty painful, since our interest rate will go up quite a bit. I feel really lazy that we haven't paid it all the way off.