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I agree with Option #2. If your closing costs (A+B+C+E of the loan estimate) for Option #2 are less than $1910, then it is a no cost refi, which means there is no reason not to refi. Then it is a question of whether the additional costs of Option #1 are worth the lower interest rate. When you say t...

Great advice so far. Thank you all. I will get a few more quotes before making a decision.

Thanks mervinj7!

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Hello all, Longtime lurker here, first time poster. I have gained incredible personal finance advice here over the years and am looking to pay it forward. Here is my question, do these refi options make sense to execute? My gut says yes but despite being a CPA I always want a 2nd set of eyes to make...