What should I do when I refinance my house?

My credit has gone up so im going to refinance my house in about 2 or 3 months…I have about $ 15,000 in a money market account…My question is does it make sense to take that $ 15,000 and put it into my house when I refinance or is it not going to make a big difference in the payment? The house cost $ 720,000 I have two mortgages on the house that total $ 6,000 a month and I am looking to lower my payment..

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