My interest rate with the fixed 15-year would be 4%

On a 30 year it would be almost 5%. So that’s another thing to think about. The benefit with Churchill that I might not get with others is they wouldn’t need to do an appraisal. Since I’m borderline underwater, the lack of an appraisal is a good thing. Although I think she mentioned it was through the HARP program, which might be available through another lender as well…