To try to help, as an FYI, I spent about 12 yrs in the finance industry.
You could also look into a home refinance or home equity loan (if you have the equity). Some despise this option, others use their home equity all the time. I think the benefits are that you can get a longer term for payments, deductible interest, easier transaction in some cases. The big drawbacks I see with loans like this today are the "costs" like, title and appraisal, blah blah fees and tying up your house equity. However, with a refinance loan you can "buy down the rate" which means to pay points (an old term). You could get a rate in the 3% range or even lower, IF you want to spend a few bucks to buy it down.? You would have to grab a calculator and see if its worth doing that.
Here are 3 other variables that could happen below as well.
1. You start doing all of this and realize the costs, effort, and stress, and sleep on it and one morning say "forget it, we'll keep what we have"
2. You hang tight for a little while and realize that a rate in the 4's isn't all that bad. Considering that in the last 15 years rates were in the 8% range to 6% at one time and then have fallen to the 3's to 4's.
3. You wait, and then all of the sudden the rate gods line up and... poof!!. 2 and 3% for everyone.!!
