Best Answer by Anonymous

You are on the home stretch, you're just paying principle now. A refi of any kind does not make sense... UNLESS you NEED to do a refi to make the monthly payment lower. If that is the case, just bite the bullet and get the best deal you can. You could even look at getting a 30 year and just know you plan to pay it off in 10 or 15 years on your own. Ask for all your options. jill jt@firstmmc.com