'stead of warming it up, do yourself a BIG favor, cut it up. Double up on those mortgage payments...one toward principal only. You'll be shocked how quickly you build equity. More fun to spend like a sailor, when you got it to spend without the 18 or 20% hit. Congrats....you now get to vote in a Jeffersonian Democracy
Yeah, I know. I'm careful these days. After coming out from 20k+ in cc debt, I will never dive that deep again. My buy-now, pay-later days are history, for the most part....