You should be looking at your mortgage as part of your plan for 2010. Need to make sure you have the best options for your plans. This means looking at the terms of the mortgage, interest rate, and is there a need for new mrtgage money in the future.
With the rates at all time lows and the federal goverment looking at making chages to the mortgage amotization period. This could be the best time to do any type of refiancing or purchasing a home.