New here and so excited to find this forum!
I'm 37, have 2 kids (toddler and infant), married.
Live in and own a 2 bd beach condo in Venice, CA worth between $650-700K. I refi'd 1st TD @5.25% with cash out in 2005 for $600K. Took out a 2nd @ 7.5% in 2008 with cash out in 2008 for $230K...