Only useful advice I have is Wells Fargo, and some other banks, "will recast, or re-amortize" your current mortgage.

It's free, no credit application, or appraisal required. Have to have been paying ahead on your mortgage though, or be willing to write a check to reduce principle to trigger the recast.

The AA credit union will also refi the balance of your car for a new 5 year term for free they claim.