So today at lunch I ran over to the bank and re-financed my LT-R. I was pleasantly surprised at a few things.

My credit score. Much higher than I thought. I thought I was below 700. Nope! Things look good for buying a condo or house in a couple months!

Interest rate. I was upside down, so they had to increase it to compensate for that, but I walked away at 10.25% Not 7.something% if I wasn't upside down, but not the 17%+ (and it's the + that is scary as it was variable) from HSBC.

So yay! The quad is refinanced... I did 60 months just in case I need the lower payment, but that will be $207. And my tax return will take a huge chunk of that out! :)