Try other banks for the refi. Also, see this website http://danielamerman.com/ http://danielamerman.com/ regarding the value of a 30yr fixed mortgage in today's

Try other banks for the refi. Also, see this website http://danielamerman.com/ http://danielamerman.com/ regarding the value of a 30yr fixed mortgage in today's environment. The govt is broke and when (not if) inflation hits you will pay back that debt for pennys on the dollar (assuming you can afford to continue to make the payments, even at 6%). Good luck.