I want to refi to 15 yr fixed rate mortage. Current rate is 5.25 30 yr fixed. $97K bal on $220 FMV. I want to finance the closing costs, so willing to pay higher rate to make this happen. Yet, might it just be easier to continue to make additional principal payments since the rates change won't be significant.

Who told you the rate change would not be significant? You should be able to cut 1.5 percentage points off your current rate. The bigger question is if you should bother to refinance at all and that can only be determined by knowing the full story. How many years do you have left?

You can refi on a 15yr mortgage with closing cost rolled in your new loan. Rates will range between 3.75 to 4.25% based on credit score. You can reach me at 317 572 1455.