I'm in the middle of refinancing right now. Just waiting on my appraisal. If my house appraises for what's on the paper work, I can drop to a 20 year with a slightly smaller payment or save nearly $300 a month if I stick with a 30 year. I hate to say, I don't even recall my current interest rate but I'd be dropping down to a 3.75 (my credit isn't awesome, have some things lingering from being a broke college student).
