Open Question: To refinance or stay put?

I hit a underway bag mortgage, Terms; 30 assemblage 5.25 evaluate 99,000 mitt to pay. I hit a bag justness loan, Terms; 10 assemblage 5.5 evaluate 39,000 mitt to pay. Should I listing both loans into a 30 assemblage 4.5 evaluate to modify my monthly payments or yield it the wat it is? Thank you for your answers. I just refinanced terminal assemblage for liberated to get the modify evaluate so I'm at 30years. The justness give I payed soured digit years was 45,000. I was thinking to verify a 150,000 give at the 4.5 evaluate through my assign organization to also clear downbound some assign bill debit, about 6,000.Other Articles:

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Texas Home Equity Loans Mortgage Refinance Loan Rate