Depends on how secure is you job; and how much emergency funds you have.
If your job is secure and you have around 80k to 100k, then why not refi? If you job is not secure and you have only around 60k, then you need to think about whether you need to refi; If your job is not secure, but you have over 100k, then you can still need to refi.
If your job is secure and you have around 80k to 100k, then why not refi? If you job is not secure and you have only around 60k, then you need to think about whether you need to refi; If your job is not secure, but you have over 100k, then you can still need to refi.
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