I'm in the process of refinancing to a 15 year loan at 2.75 with an APR about 3.00%. Payment stays the same (+ or - $30) and I cut off three and half years worth of payments. (Have 18.5 years to go on a 20 year loan at 3.875%) No out of pocket expense except for the appraisal which got waived. Should sign the papers on Tuesday.

Denny