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We refinanced in Dec last year . 3.5 for 15 years (had 25 left on a 30, forgot what our rate was before though) anyway the bottom line was we took 10 years off our loan, will save $76,000 dollars (mind you this is minimun if we dont pay a little extra along the way which we do whenever we can and it only added about $100 to our payment every month.
Do it if you can!!!! I cant tell you how excited we are to know that we will only be paying until we are 50 now instead of 60! Just think about that for a minute!
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