Refinance my home at 5.75%
You may want to consider doing a 27 year term and whether or not you have PMI on your new loan and how much will be determined by the new value and whether or not you want to bring cash to close. Your savings should outweigh the costs fairly quickly. Thank you.

Can having a high income make up for a low credit score when applying for a mortgage?
When credit scores are low having a low debt ratio is a positive factor in decisioning a loan.

Looking for a mortgage in Wisconsin with a 620 Credit Score
We can do a conventional loan with a 620 however you would need 20% down the other 10% could be a gift but you could go Fha with 3.5% down and a 640... there are other programs as well that you may consider...focus on improving your credit... I would be happy you give you free advice...good tor you that you saved 10%