<div style="margin: 12px 0px; font-family: arial; color: #333333; background: #ffffff; border: solid 4px #e5e5e5; width: 100%; clear: left;"><div class="CM_CTB_Content_Wrap" style="margin: 0px; padding: 0px;background-color: #ffffff;"><div style="border-bottom: solid 1px #dcdcdc; white-space: nowrap; margin-bottom: 8px; background-color: #eeeeee ;background-image: url(http://clipmarks.com/images/source-bg.gif); background-repeat: repeat-x; height: 24px; line-height: 24px; vertical-align: middle; padding-bottom: 4px; color: #666666; font-size: 10px;" ><a href="http://clipmarks.com/clip-to-blog/" title="see clips that are hot right now"><img src="http://content.clipmarks.com/blog_embed/e277c5db-1e44-46c2-834f-b5856a8a20d2/60C76A8E-2901-4088-B750-23DE8F28E154/" alt="" width="19" height="19" border="0" style="vertical-align: middle; margin: 0px 4px; display: inline; border: none; float:none;" /></a>clipped from <a title="http://www.home--mortgage-refinancing.com/" href="http://www.home--mortgage-refinancing.com/" style="font-size: 11px;">www.home--mortgage-refinancing.com</a></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://www.home--mortgage-refinancing.com/"><H3 id="post-110" class="entrytitle"> <A rel="bookmark" href="http://www.home--mortgage-refinancing.com/personal-finance/mortgage-refinancing"> mortgage refinancing? </A> </H3></blockquote><div style="height: 2px; font-size: 2px; background: #dcdcdc; border-bottom: solid 1px #f5f5f5; margin: 2px 4px;"></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://www.home--mortgage-refinancing.com/"><div align="center"><img src="http://content9.clipmarks.com/blog_cache/www.home--mortgage-refinancing.com/img/49578AAB-AFFF-48FF-9855-5607D1F8B860" alt="" /></div></blockquote><div style="height: 2px; font-size: 2px; background: #dcdcdc; border-bottom: solid 1px #f5f5f5; margin: 2px 4px;"></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://www.home--mortgage-refinancing.com/"><DIV><DIV><EM><STRONG>danm</STRONG> asked: </EM></DIV><BR /><BR />I refinanced 4 years ago for 15 yrs.Would I be better off refinancing for 30 yrs and paying more on my principal each month?<BR /><DIV> I am trying to free up cash flow. My monthly note , I pay every 2 weeks about 900.00 a month. I was jsut wondering if I am really benefiting with a 15 yr mortgage. Would paying extra on principal each month be just as good.</DIV><BR /></DIV></blockquote><div style="border-bottom: solid 1px #dcdcdc; white-space: nowrap; margin-bottom: 8px; background-color: #eeeeee ;background-image: url(http://clipmarks.com/images/source-bg.gif); background-repeat: repeat-x; height: 24px; line-height: 24px; vertical-align: middle; padding-bottom: 4px; color: #666666; font-size: 10px;" ><a href="http://clipmarks.com/clip-to-blog/" title="see clips that are hot right now"><img src="http://content6.clipmarks.com/images/clip-icon.gif" alt="" width="19" height="19" border="0" style="vertical-align: middle; margin: 0px 4px; display: inline; border: none; float:none;" /></a>clipped from <a title="http://googleads.g.doubleclick.net/pagead/ads?client=ca-pub-9804358104175479&format=300x250&output=html&h=300&w=250&lmt=1251106526&color_bg=ffffff&color_border=ffffff&color_link=000000&color_text=000000&color_url=000000&flash=10.0.22&url=http%3A%2F%2Fwww.home--mortgage-refinancing.com%2F&ref=http%3A%2F%2Fwww.orbitdownloader.com%2Fpageerror.php%3Ftype%3D404%26url%3DaHR0cDovL3d3dy5ob21lLS1tb3J0Z2FnZS1yZWZpbmFuY2luZy5jb20vcGVyc29uYWwtZmluYW5jZS9tb3J0Z2FnZS1yZWZpbmFuY2luZw%253D%253D%26ref%3DaHR0cDovL3d3dy5ob21lLS1tb3J0Z2FnZS1yZWZpbmFuY2luZy5jb" href="http://googleads.g.doubleclick.net/pagead/ads?client=ca-pub-9804358104175479&format=300x250&output=html&h=300&w=250&lmt=1251106526&color_bg=ffffff&color_border=ffffff&color_link=000000&color_text=000000&color_url=000000&flash=10.0.22&url=http%3A%2F%2Fwww.home--mortgage-refinancing.com%2F&ref=http%3A%2F%2Fwww.orbitdownloader.com%2Fpageerror.php%3Ftype%3D404%26url%3DaHR0cDovL3d3dy5ob21lLS1tb3J0Z2FnZS1yZWZpbmFuY2luZy5jb20vcGVyc29uYWwtZmluYW5jZS9tb3J0Z2FnZS1yZWZpbmFuY2luZw%253D%253D%26ref%3DaHR0cDovL3d3dy5ob21lLS1tb3J0Z2FnZS1yZWZpbmFuY2luZy5jb" style="font-size: 11px;">googleads.g.doubleclick.net</a></div><blockquote style="text-align: left; 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