re: 15yr Mortgage... Where to begin?

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So... where do I begin to refinance to 15yr? Any info will help(credit score recently moved over 700 and pay balance of credit card each month. No car notes)

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I hate to suggest the unorthodox approach, but you can just adjust your amortization schedule yourself.

Figure out what the 15 year note would be - subtract your current PI&E note from that hypothetical 15 year amortization amount, and pay that difference to your mortgage holder - with the specification, both in writing and on the check that second check is to be applied directly to the principal.

It's just crazy enough to work, and it won't cost you a dime. If your company will do a streamline for you AND you get a point or so drop, it might be worth it to do the paperwork.

Good luck.