Hmm... I would have to disagree with you here tingly
I would say that it is entirely dependant on your situation.
How much longer are you planning on living in your home? Are you expecting a substantial increase in income? If so, when?
Also, how tight are you on monthly payments right now - worse case scenario, would you be able to afford an increase in payments and still keep your standard of living the same?
After these questions, I should be able to suggest something for ya