u can do refinance now with much lower interest rate.
& if u hv to pay for moving cost, then u better take extra money from new loan to cover up the moving cost & others.

u can do refinance higher than ur balance loan amount.
i'm sure ur property value is higer than b4, so u can apply for more money.

for example.

ur balance is 90k ...... property value 120k
so u can apply for 100k.
& i think with current interest rate, ur monthly payment still not much different or u can take more longer period

This post has been edited by bob: Jun 3 2010, 02:50 PM