i owe $88,415.12 at 5.25 interest rate. I am 76 years old. Is it worth getting at 30 year loan at 3.750?

interest rate. The apr being offered is 4.158. Is it worth refinancing from a $ 830.09 mortgage payment to a 676.90 payment. I have twenty years left on the current loan since i refinanced 10 years ago.

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