Am I better off refinancing? Regarding your current loan Original loan amount $   Original term (years)     Years already paid     Balloon year (zero if none)     Interest rate   %   Regarding your new loan Term (years)     Balloon year (zero if none)     Discount points   % Origination fee   % Upfront costs $   Interest rate   %   Regarding your property Appraised value $   Yearly property tax $   Yearly property insurance $     Regarding yourself Your savings rate   % Your state + federal tax rate   % Years before you sell