[Dueller]

We've thought about refinancing, but the "problem" we have is we only owe about $60K (6 years remaining on a 15yr original note that will be paid off 7 years early if we only pay the actual payment) since we have been agressively paying towards principle. Current rates are about 1.5% lower than our existing mortgage but nobody wants to process a $60K loan despite good credit and large equity...and we don't want to borrow any additional amounts. They're happy to loan $100K or more as the house is now worth $250K but its not worth their time to make a small loan.

So I guess we'll just try to knock it out over the next 3 or so years.