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You actually clicked through a spam and filled out a form with your
personal info? Legions of hackers, identity thieves, spamlist
resellers, and general net.lowlifes want desperately want to meet
you...

As to your mortgage, if it is almost paid off, you are paying down the
principal quickly at this point, because of how amortization works.
Refinancing now will replace a (say) 5 year payoff with a 15 or 30 year
payoff. Unless you are going to get cash out of your property
for some reason, this is highly unlikely to be worth doing.

Foobarista, on too many spamlists to comprehend...
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