refi advice.Is it better to refi to 30yr or 15yr. My current mortage is 5% fha for 281k. my payment is 2114 $ .Loan orgination date 2008 febi used a loan mortgage person i have used before.who i found here . he came back stating that 2 apprisal company he uses estimate that after the addition my house is worth 311 and 321. We are redoing the kitchen , so i am waiting for that to complete as per him will give me a better chance for a cheaper loan.In that case , is there any benefit goto 15yrs if i can afford it. If i do a another 30yr i am sure my loan will be a couple hundred less. But i wonder if i can a 15yr and pay say 2200 or so and be better or the numbers are way off.February 09 2013 - North Attleborough00YesReport 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.