 You get your foot in the door somewhere. You buy a small townhouse like the Fetching Mrs. Hewitt and I did, and then you move every three years. Or when you own a home, you refinance it, and you refinance it, and you refinance it as interest rates drop. Once you're in the AndrewandTodd.com system with Sierra Pacific Mortgage, they call you when it makes sense to refinance, like they did to me. Refinancing is no one's idea of a good time. Like, I have to go to get a root canal done next week.