Being that you are in an FHA loan now your best bet is to streamline to a new FHA loan being that you took the mortgage out 4 years ago.? The reason for that is you will be able to take advantage of the new lower mortgage insurance premium FHA is charging homeowners like yourself to get them into lower rate mortgages.? You will have to refinance into another 30 year mortgage but with the savings you should be able to pay extra, get it paid off sooner and still save money from what you are paying now.
If you would like to discuss further please do not hesitate to contact me through my profile.
Thanks
Jonathan Mosca
Source: http://www.zillow.com/advice-thread/Refinancing-options/453310/
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