Reply #91: 4.125% 15 year fixed.

[LeftHander]

in 2003 on a very SMALL two bedroom/1 bath home built in 1920...

Never been very rich...or do I make big salary (one year I did)

Cashed in a IRA to make downpayment (all 12k of it), was renting at the time and told wife if we are going to ever buy a house we have to right now. that was when the rates were below 5% We locked in and bought our little bungalo for the three of us. Being in our 40's we took the 15 year to get it paid down quick and build equity fast.

Smartest financial move I ever made....and probably ever will make. Looking the value we got out of that transaction outwieghs the money I paid in taxes on withdrawl.