Thankfully, we found a solution to our predicament and went ahead with yet another mortgage refinance. Unfortunately, this meant expending precious time and energy gathering all of the necessary documents. And while it was a pain to get all of the required paperwork together, Amerisave did offer enough lender credits to allow me to pay nothing for the refinance. Now that it's over with, I am thrilled to be done with private mortgage insurance once and for all. I will never make that mistake again, and now we're back on the fast track to becoming completely debt free. I cannot wait until the day I get my final mortgage bill in the mail, and I actually fantasize about writing that check. Until then, I will be counting down the weeks and days until I'm debt free. It has taken a lot of hard work and dedication, but we are making progress. And I know that one day, I will no longer have to deal with the hassle of being in debt.