I am on year 6 of a 30 year fixed with a 5.5% rate, considering 20 yr fix?The extra details to the question, is I don't want to pay any extra fees or service charges to convert my current loan, which is in excellent standing. Is this something I should even consider doing?May 12 2010 - Bay Ho00YesReport 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.