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.
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