Refi (again) or Not to RefiI refinance last year to a 15yr. at 4.25%. The property apprised for $430k. The currently mortgage balance is ~$143k. I also have a HELOC at 2.49% with a current balance of $64k, to which I am paying $2k monthly to have it paid off in 3 years.Here is the $1B question:Do I continue to pay the mortgage and $2k towards HELOC as I have been doing? Or do I refi to cash out to pay off the HELOC? I was recently qualified for a 15yr. at 3.8% with no points and no closing. Will rates go any lower? Are there online calculators for this type of scenarios? I can't analyze this. But so tempting to refi to combine both "loans"/"debts". Any and all input will be appreciated. Thanks!September 16 2010 - Rockville00YesReport 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.