Zillow Advice RSS: Question-Discussion-Guide,Refinance,Roanoke- VA http://www.zillow.com/advice/Roanoke-VA/mortgage-refinance/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate refinance in VA?? http://www.zillow.com/advice-thread/refinance-in-VA/411365/ Looking to refinance a 30 year mortgage in order to reduce term while keeping same payment.&nbsp; My balance is $282,000 and my current payment is $1814 ($233 of which is escrow), with about 26 - 27 years left to pay.&nbsp; My credit score is the best possible score, but I am not interested unless in refinancing unless the numbers make sense.&nbsp; By the way, I am in VA.&nbsp; With a balance of $282k, can I get a 20 year term (with no out of pocket costs) and keep my payment, including escrow, at $1960 or less?<br/><br/>My house was appraised at $400k almost 3 years ago.&nbsp; Current valuation shouldn't be less than $375, even in this market.&nbsp;<br \><br \>4 replies Fri, 12 Aug 2011 16:52:00 GMT http://www.zillow.com/advice-thread/refinance-in-VA/411365/ 2011-08-12T16:52:00Z