Refinance

[yourchoice]

I'm investigating whether it will be worth it for me. I had what I thought was a killer rate of 5% for a 30 yr fixed that has 19 yrs left on it. I'm checking out what my payments will be for a 15 yr fixed rate. 15 yr rates are below 4% I think. If I can knock 4 yrs off the term and keep my payment the same or lower I'm doing it...so long as the closing costs permit it.