There is no guarantee that interest rates will stay at their historic lows. The Federal Reserve is ending their bond buying program, so rates will likely rise. It's also possible that for any number of reasons your home may lose value in the next year, so you won't be able to sell or refinance for several years more.

As with any market, you should make your decision based on the fundamental value of the deal to you personally, and you should not depend on being able to make a deal or refinance in the future. During the years that the housing bubble was inflating very few were considering what a downturn in the market would mean for them and the loans they couldn't afford.

Refinance FHA 203k to conventional
In a few weeks time, I'm hopefully going to be spending a few days in and around Lille, some working, some holiday. For the working part, I'd need somewhere to go in the day, ideally some sort of co-working space or similar. 

In Paris, there's an excellent co-working space La Cantine (as mentioned in this question). Regus have an office by the station which includes a business lounge, which in theory ought to be all I need. Unfortunately, the time I tried going there, it was very noisy with lots of people having meetings there (which I've not really found elsewhere), and the wifi was so bad you longed for when an IDBus would park outside so you could use theirs...

Are there any good co-working spaces that'd welcome a visiting tourist for half a day or a day? (Googling found places with a 1+week minimum commitment, which aren't really suitable for me as a tourist just wanting something like half a day or a day). Or failing that, are there any good places (cafes/libraries/etc) I could look at going to?
