Should I refinance or stick with current mortgage?
Yes. Refinance. Call me anytime. 727-433-2299All the others who answered your question are making it way more complex than it is. Yes, refinance. Simple.Jim Sutch Sr. Loan Officer, The Mortgage Firm

Should I refinance into a 15 year or 30 year?
Refi into a 15 year. Don't prepay anything.

Can I get a Home Equity Line of Credit with 30% free equity in the house?
All the answers are correct. If your current interest rate is 5.75% or higher, give me a call. We can switch you to a new loan at 4.0% and get you the cash you need. 727-433-2299 "The Mortgage Firm" We are in Altamonte Springs.