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Great info guys....
My house is in about the same shape as the person 2 doors down. I'm pretty sure their value was a little higher because of their patio that they added on, and that they're on a corner lot.
My home is kept up very nice. I live in a golf club community with a lake across the street and a fairway view to the side i look 3 homes down. I'm actually in the process of landscaping my yard with new plants, which should be done within the next couple weeks.
I like the info about doing what I feel is right... I'm usually pretty bad with money (hence the 30k in credit debt), which is why taking out the extra money wouldn't be the greatest idea, but if I were to stick it in an investment that cannot be touched for a year or 2, that would probably work the best for me.
Once the refi goes through, I will only have the house and car payment (5k left) to pay off. I have no children, no wife (but a girlfriend who supports herself), and I make over 45k a year in a very stable position.
I've only got another day to decide on this.. but all your input has definitely helped... thanks!
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