My wife and I are in the process of refinancing our mortgage but we are unsure if the deal makes sense or not. Currently we have a 30yr FHA fixed loan with a rate of 6.5%. Our broker has presented us a streamline option where we can get a 5.5% rate today without having to buy down the rate. After some calculating we would only save around $ 108/month and it would take approx. 3.25 years to recoup the fees and start to see some savings. Our plan is to sell the property in about 5-6 years so that’s why we are hesitant to lock and proceed with the deal. Thoughts please, thank you.