Refinance

Peoples.com offered a refinance for 3.875% (w/ 2pts) on a 20 year loan. Now would be a good time for everyone to jump on this bandwagon. Wells Fargo was almost as good. Do it, if you can. Rates are down across the board. You'll save a holy pantload either in overall interest or in monthly payments. At least think about it?
Save one of these:

Or a million of these:

Or half as many of these:

But don't even think about these.

They're not even worth the paper they're printed on.