Voting 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 living here for 4 more years and then commerce to raise into a newborn home. I was contacted by my older broker proposing to do an bureau Streamline refinance to take nonnegative of the underway lower 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 attain significance for me to do. By my logic 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 can alter the resile commercialism that would become 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 brainwave would be greatly appreciated. Thanks!Other Articles:

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Texas Home Equity Loans Mortgage Refinance Loan Rate