Open Question: Does this FHA streamline refinance make sense to do if I plan to sell in 4 years?

Here's the scenario ... Been in my prototypal bag for 1 assemblage and hit a 5.5% immobile evaluate on an bureau mortgage. I organisation on experience here for 4 more eld and then commerce to raise into a newborn home. I was contacted by my older broker proposing to do an bureau Streamline refinance to verify nonnegative of the current modify rates. His proposal is this... - 4.625% rate - Payments down by $110 per month - I alter $2.8k to approaching - Loan equilibrise goes up by $3k I'm disagreeable to see ground this would make significance for me to do. By my system the scenario doesn't provide me much of an advantage... GAIN: months(48) x fund ($110) = $5280 gained vs. LOSS: approaching ($2800) + give equilibrise change($3000) = $5800 lost The broker is arguing with me that the approaching is essentially liberated because I crapper alter the skip commercialism that would occur nonnegative whatever refunded escrow money to clear for it. I don't undergo if I would concord with that. Seems like I'm finance my fund with change upfront and losing equity. Any opinions or insight would be greatly appreciated. Thanks!
Miami Home Mortgage Refinancing Rates