re: Would you Refinance?

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ETA: I think If I were to refinance, I would choose a 15 year loan.

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If you do refi my advise is look at the difference in interest rate between 15 year and 30 year. You can always pay more principal on a 30 year to finish paying in 15 so if the rate isn't very different, just go for the 30 year and pay an extra $400 (arbitrary number) a month toward principal.

Basically dont make the 15 year loan decision based off when you will pay off the loan because you can always pay more than the min on a 30 year. But if the rates much better for 15 do it.

I currently have 2 mortgages and one is a 15 year loan, but I got it at a super low rate so it was worth it. Just depends on the differences.