ok, at the beginning, you do no longer checklist your sources / earnings / etc, so we will not say what's extra effective for you. perhaps a 15yr very own loan could require too a lot fee in step with month. what's the int. fee on the 15yr very own loan? etc etc no longer sufficient info. additionally, while you're making plans on paying for yet another vehicle, etc, perhaps this is only extra effective to stay on the 30yr. feels like your loved ones is growing to be, and you do no longer understand extremely what your expenses would be for the subsequent 2 an prolonged time (neither is the occupation specific). I say, in my opinion, wait wait wait. do no longer stretch your self too skinny and would desire to motel to advertising crack to feed your toddlers. advertising crack sucks. yet particularly however, we choose extra information to make it easier to already know if it particularly is a strong thought or no longer. additionally, down-fee, etc, and all that information will come right this moment from the human beings you practice for the refinance with. we will not understand; heck, they won't even understand till the decrease back-end has appeared at it and created for you an supply.