still contemplating weather or not we should refinance our home.

in a way it seems silly to do so, since it will be paid off in 9 years but on the other hand with my husband retiring and bring home a thousand less each month (the house payment basically) it seems like the smart thing to do.

and in the process I could pay off credit cards faster with a lower house payment??

I don’t know.

still contemplating it all.
And my husband is leaving it up to me.