Locked and Loaded!

We locked in today at 3.625% !!!!  We had the option to buy down all the way to 3.25%. We thought about going to 3.5% but it would have only saved us a little bit a month (A dinner out for one) and not as much as you would think in the long run so we decided to save our money now and get almost $600.00 back as an incentive for the 3.625% rate.  :) It would take close to 15 years to "break even" for buying down to 3.25% and we'd rather have a dining room table and pay extra in the future to make up for it.  We plan to make extra payments anyways so we can always make up for the decision on the higher rate. :) It looks like I might have a new refrigerator and still be able to afford window treatments! :)