If you are thinking of refinancing or financing a home because of the lower interest rates, I suggest highly doing it thru Mypoints. I interviewed all the companies that Mypoints works with

and North American Finance is great. BUT this is the WHOO HOO! I got 52,000 points in my account today, thats about equal to $400! I'm sorry, I'm so excited, today was a good day. My mortgage dropped 300 a month and I'm cashing in for free hotel at Disney!!! But just so you know, it takes over 60 days to get your points.