The Question: In Tuesday’s post about what to do with my raise, I mentioned that our mortgage is at a 6% APR. Naturally, one of the first questions I was asked was why in the world don’t we refinance our mortgage? Considering current interest rates, we could be saving a ton. I’ll be honest. I would love to refinance our house, but right now, it just is not a viable option. We are paying for ourread more…