I have financed both my contracts thru Disney, and it works well. The reason I did not refinance my house is that the cost of that at our bank was $1500 to do it, and that would have cost us more than the slightly higher interest rate at Disney. If you are going to refinance your house anyway, then it would be a good idea to include your Disney contract in your one payment for your house. Otherwise, watch the hidden costs thru the bank, such as the loan origination fees and so forth, make refinancing not worth the effort. I think Disney is offering 10.5% now, aren't they? If you are only financing your loan for a short p;eriod of time, you might want to think about this.