Refinancing optionsHello guys, I bought a house 4 years ago for $119K at 6.4 percent for 30 years through FHA. Current'y owe $113K. I ran my credit score and its at an even 700. Do I continue to improve my credit score and refinance later ? Or try to refinance now? If so, 30 years or 15 years fixed ? Help !July 30 2012 - Philadelphia00YesReport 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.