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[quote=Anonymous]We own a townhouse in Fairfax that has been appraised at $389,000. We owe $127,000 on a 30 yr. mortgage at 6.5% and I would like to refinance at a lower rate. We bought the home 12 years ago. We have a pretty good credit score (720). Our current mortgage payment is $1,400.00/month and I would like to lower the monthly payment a bit if possible, but I would also like to pay the home off a little quicker. I do not want any cash out. What would you advise? TIA[/quote]
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