i confess a part of me wants to keep the extra cash!
If we refi to a 30 yr we can get a 3.5%and drop our payments to 525 a month. That's a savings of like 250.
If we refi to a 15yr we can get a 2.6% and drop our payments to 716 not a drastic savings but like $50 . We could then pay off.our home in 15 yrs.
But a part of me would rather keep the extra cash!
What would you do?