my interest rate is 4.5% and my CC score is 750. Is it worth refinancing?

Yes it could be beneficial to you. What is your loan to value and would it be a owner occupied home, single family? Rates are still very low. Give me a call or send me an email and I can give you some accurate numbers. Thanks, Chris. 714-367-5125 ext 2251 or social@valleyviewhomeloans.com

No, unless you are going to a shorter term. Why repay years of interest that you have already paid. It never hurts to look at the numbers but you have a great interest rate. Curt Tiedeman, NMLS 35554, 206.650.4202

Without knowing all the details, it's hard to say.. try contacting a local mortgage broker and let him look at your complete loan scenario.. once he has all the necessary info, it will be very easy for him to show you exactly what he can do.. .. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

It really depends on how much you owe and what the new loan term will be, and other details - like whether you'd like to get some cash back. The larger the loan the less the difference in rate needs to be to help your payment, but your true savings are likely to be marginal if you're already at 4.5% - you don't want to pay (or finance) fees to keep the loan rate low.

Yes, if your loan amount is over 300K. Today I can get you a no closing cost 30 yr fixed at 4.25% assuming you qualify without LLPs. That .25 of a per cent will save you over $100.00 per month. Extending is irrelevant, whenever you lower the cost to service your debt without an investment it is to your benefit.