we did a fha streamline that closed 12/30/2012. the apr is at 3.75%. is it worth refi again?

Hi,Right now the Bond Market is in Panic Selling mode. Due to Trump winning election, everyone is projecting higher inflation due to anticipated growth.Count yourself lucky your APR is at 3.75%

Depend. If you want to do 15 year and your loan balance is high enough, you should do it.

A half a point in rate better is what most have received at least up until the Trump election. However, something big in the world news could turn the bond market around and start to bring rates back down. If you felt you could handle a 15 year fixed loan then it may make sense to refinance into that at this time. The overall savings are often huge on a 15 year fixed, but the monthly payment would be higher.