Foo Bar and Grill

from our old 30 year @ 5.875% to a 15 year @ 4.675%, with no points. Our payment will go up by about $300/month, but our mortgage term will be shorter by 8 years and our interest is over 1% lower. We're doing an "even-steven" refi; no cash out or cash in (although we'll probably get a bit of cash at closing depending on the timing of the closing)

We figured we aren't going to do much better interest-rate wise, so we decided to pull the trigger.