I have a 15 year fixed rate at 4.75% we owe less then $70,000 and are looking to take some money out of house to help by a business, we have a Lien for work done by Brookhaven town and want to pay that off as well, we are with everhome at the moment and have been looking at TFCU as a possible re-financier. ans a road map would be helpful. any advice out there for us? thanks