For anyone looking at doing a refi here is a mortgage calculator that also lets you apply extra payments and you can then see how much interest you will save yourself by doing so.
Pretty motivating to make those extra payments when you see how much can be saved.
http://www.bankrate.com/calculators...2015&ic_id=mtg_calc_amortization_btn

Also if you are thinking of rolling your refi costs into the loan you can also see how much more in interest that is going to cost you as well.
can be rather surprising.

Last edited by Paul_M; 02/06/16.
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