I just heard from our lender that we could get a rate of 5.625%, this is a big change from our 6.25% rate in the summer, I am so happy about it! That means we have some free diaper money for each month, so just want to mention it here so that if any or you want to refinance, now is a great time, plus I think to do the arm is not a good choice, we should still stick with the fixed rate.