Exactly. If you keep paying the same amount, it has to

be better. If you decide to pay less every month and pay slowly, that's your intention, certainly, you need to pay more interest. That's not a waste, that's on purpose.

If it is no point, no fee (no cost) refinance, any interest decrease will have benefit for you if you keep paying the same amount every month and use the extra payment as your additional principle.

Thanks 随其自然,
Shi Gu