Move or Refi?I purchased my home 4 yrs ago. I have a rate of 6.5%. WIth todays rates I could afford a much larger home paying what I pay now or possibly less.I have tried to refinance, but my appraisal came back rather low leaving my out of pocket exspense to refi at about $12-15K. My home does need some cosmetic work (new kitchen, landscaping). Do I wait out this market and make the upgrades while continuing to pay the higher rate? Or should I sell my home? I would like to take advantage of the current rates in the smartest way. Please help!ThanksJanuary 01 2011 - Springfield00YesReport 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.