We decided to refinance our house. We did it once before and got what were—at the time—some pretty good rates on our first and second. Now, with the rates so low, we’ve decided to refi again. Suffice it to say, it’s an arduous process. Thankfully, I’ve got a great broker, Joe Beckford with B&G Financial, by way of a reference from a great realtor, Beverly Hanson with Keller Williams. They are, like me, formerly from Delta Air Lines, or “Deltawest” as it’s fast becoming.

Despite Joe’s expert knowledge and incredible service, I’m uncertain exactly how worthwhile it is to refinance, due to the financial climate and our personal financial situation. But worthwhile, it is. And it will be as we move forward.

With most of the details of our personal finances aside, let me share that in 2002, I chose a home with a mortgage I could afford, regardless of what may come. And working in the airlines, stuff did come. Ever since purchasing our home, we’ve striven to pay on time each month, every month—against the backdrop of others’ foreclosures.

In the process of refinancing, it’s become expressly clear that other than the personal satisfaction of trying to meet our mortgage obligations, there is no financial “reward,” nor consideration for such.

But I’m not looking for a reward.

I am, however, looking at others who sought and received mortgages beyond their ability to pay them back. I am, however, looking at financial support flowing their way. And that flow starts from my wallet, despite the throes of trying to maintain my own mortgage in good standing.

What am I to do? Persist. Vote. Write.

“You cannot help men permanently by doing for them what they could and should do for themselves.”     ~ Abraham Lincoln