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Personally, I would rather have a fixed rate mortgage. You have no idea what the interest rates are going to do, but chances are they will go up. Look at it like the gas prices, which go up and down almost daily. Would you rather pay $2.50 per gallon of gas or $3.50-$4.00 per gallon? Do you really want to take a chance paying 10%-15% interest on a loan or do a refi for the next 10-15 years at 6%-8%? I would rather pay as little as possible and save what money I can to build up my savings for vacations and retirement than give the corperations more of my money.

with 10 years to go you may be better off where you are at. here is what i would recommend. Get a quote on a ten year loan (fixed). Not a 30 year fixed for 10, but a 10 year fixed. The last thing you want is to start over on a 30 year term. when you get a quote there are two things to look at. the rate and the payment. the rate will need to be significantly lower than your current rate. the payment will need to be significantly less too. At the end of the day, the only thing that matters is which one will cost less to pay off.

Interest rates go in cycles, as I am sure you have seen in the last 20 years. You may be better off hangin on to your loan. You have already worked yourself into primarily paying off principal (you have gotten most of the interest out of the way). Lowest payment apples to apples wins.