Joel (and others!)Come this April of 2013, I will have been in Mortgage number 1 for ten years.The thought of re-setting the time clock back to ZERO . . . is not very appealing. However, if I can re-fi with a 15 year and still pay pretty much what I am paying on mortgage number 1, then that would be a good deal. But, I don't know if I can do that and I guess the only way to find out is to get off my butt and go start talking to some credit unions.Your thoughts?Thank you very much,DDWPS: Balance on mortgage number one is 93KBalance on mortgage number two is about 28K (it has about 14 years left to pay it off)Value of our home is approx 150K
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