^^^Thanks for the insight, I may do some asking around in the future, we'll see where rates go.
As to the other question....what about a HELOC? I know someone who purchased their home outright, then immediately took out a heloc for 50% of the value. That was in 2008 and there is no fee if you don't use it, but they have had 1.9% since the opening, and it's a 10 year thing. It's nice to have the money available at least, and in this method you aren't charged for anything unless you use it.