Seems by this point you should have enough equity to sell and put like 50% down on a new place? Assuming you put at least 20% down payment on current mortgage. Unless you are looking to upsize or move somewhere more expensive, but from what you've shared that seems doubtful.

We got a letter last week saying we won't have to carry PMI anymore. Should save us a good $50 a month or so.

ECMWF Seasonal just keeps going stronger and stronger with El Nino

yup I'm handcuffed by 3.0% interest. Want to gtfo and head back east in the next coupla years though

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