I have been really depressed this week. I have been trying to refinance my mortgage and why not the rates are so low. I thought since i had bought the house when the housing market was already down, it should be easy to refinance. But, no the price has fallen down so mush that i cant refinance without paying another down payment. I don’t know if i should use up my cash balance to refinance, especially in this economy when i don’t know if i will still have my job tomorrow.