REFINANCE PROBLEM

Existing Loan (now it is EOY 5) Refinancing Option

Original was $100,000, 30 yr, 25 yr, 7.5%,

10% FRM (fixed rate mort.) 4 points.

Payment = 877.57 713.67

Balance Now (EOY 5) = 96,574

If you know that you will be moving in 8 years after this possible refinance, which is the better option stay with existing loan or refinance?

What is the return on investment in the refinance option ?