Should I consider a refi to a 15yr mortgage or just pay extra principal on my young 30yr at 4.5%My current 30yr is only about 2 yrs in. It has a loan to value ratio of 63%. I know I can pay extra principle to essentially turn my remaining 28 yrs into about 15. But would it make more sense to refi?September 13 2010 - Snohomish11YesReport 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.