Economy ups and downs messing with your mortgage too?

Reading your post, I'm curious—did you refinance into your fixed-rate, or was it your original mortgage? I'm currently on a fixed-rate myself, but with rates fluctuating lately, I've been wondering if refinancing again makes sense or if it's smarter to just ride things out. The whole adjustable-rate thing always felt like too much guesswork for me too... but now I'm second-guessing if I should at least look into refinancing options again. Has anyone here recently refinanced and found it worthwhile?

"The whole adjustable-rate thing always felt like too much guesswork for me too..."

You're spot on there—ARMs can feel like gambling if you're not careful. If your current fixed rate is decent, refinancing might not save you enough to justify the hassle and fees. Worth crunching numbers first though...