Decision to FHA Streamline or not...please help!I had trouble finding a tool or calculator to decide whether is it worth it now, with interest rates so low, to refinance using FHA Streamline?My FHA loan was originated in November 2009 and was appraised at $259k at the time. More details:Original Loan Amount: $252,345.00Current Principal Balance: $244,391.48Interest Rate: 4.75%Term: 30 years (Fixed)Loan Type: FHA Residential/MIP I tried speaking to my lender a few months ago, when rates were in low 4% region and they said that it was probably not worth it for me to do so. But I am seeking for an unbiased opinion now that rates are even lower.I know my interest rate is relatively low, but is it worth it to take it down by another percentage point or so and what sort of closing costs could I expect to pay? I would like to reduce my monthly payment, of course, but would like to also know the "pay back" period of any costs I may incur.Thanks so much!NVADecember 13 2011 - Falls Church00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.