We closed out the deal yesterday at 3% for 15 years on our mortgage. I am now the sole borrower, but the property is under my wife and I. She cajoled me into it. I guess that’s how it is when you married someone who is smarter than you. Then again, she shopped for the loan and was able to get us a good deal. I just had to sign the paperwork and owe a big-ass debt.