On Mon, 17 Aug 2015 09:35:06 -0400, Justan Olphat
wrote:

http://savinghomeownerstips.com/home4/

Just be sure you are not getting clipped by fees.
I did a refi on my condo years ago and went the other way. Instead of
making lower payments or taking out cash, I went up on my payments and
reduced the number of them a lot.
I ended up paying it off in about 9 years. Just make sure there is no
penalty for early payments and throw your left over lunch money at the
principal.