I ran across an interesting concept where you treat your home mortgage like a combination "credit card" and bank account. It has the potential to lower your total interest payments.
The mortgage is offered by CMG Financial Services at http://www.cmgfs.com
You deposit your check in your "mortgage account". Since your mortgage interest is based on your average daily balance, the direct deposit immediately reduces your interest.
You can pay bills from your mortgage (increasing the balance), and also use an ATM to "pull money" from your mortgage (increase loan balance).
The concept seems interesting. The only problem with what I saw is that the rate is based on the 30-day Libor rate -- meaning your rate can vary pretty wildly.
There is a cap on the rate of 5 percent above your starting rate, but I'd consider waiting for a "mortgage account" with a more stable rate.