[mosesbotbol]

Whatever the interest rate was when I last checked + plus expenses for the new loan wasn't any different than me just paying the nearly the same amount if I went with a 15 year. The closing cost and amortization schedule off set any reduced interest on the 15.

@kydsid - I have closed cards and took a hit on my credit. Wasn't much and bounced back quick enough. Didn't lower it enough to negatively impact anything I needed new credit for.