Correction. The second loan technically won’t be at $417k, since approximately 4 payments already were made, so principal paid will be approximately $7k , and interest payments of $5200 thrown in the trash. Also, there was cost on the first loan (i forget. Let’s just high estimate it being $5-6k)

So new loan would be $410k/15yr/3.25% total payments of $518,569.55

So i think the total savings over 15 years would be 22283.62
Also would give me an extra $100/month of breathing room.

Can someone check my math? (I suck at basic math…I can only do Fourier Transforms and FFT’s….Seriously)