[quote=treehugger]ahhhh, I had not asked about the increased credit for a higher rate!

About $2000 difference, can’t believe rates will go lower? We plan to downsize maybe in 5-6 years depending on where the kids go to college, may be longer, seems worth it to keep the lower rate?[/quote]
That’s what I thought 4 months ago when I started the last refi.