Yes, you have to re-finance. Rates aren't too high are they?
No I'd actually get a lower rate. I intend to refinance but I'm not ready to do it now. When I do I will pull some of the equity out but I don't yet know exactly how much I need and don't want to refi until I do. I would however like to get it all in my name only. Looks like I'll have to wait a bit more.
