Share your insights or perspective on the financial matter presented in the input.

Does it make sense to refinance a 30 year mortgage to 15 years?
Unless I'm missing something, this doesn't make sense at all.  Why take out money at 3.25% (the Heloc) to reduce the balance on a 3% loan (the refi)?  It would be better to move as much from the Heloc to the refi as possible to get the best rate.  If this results in a lower monthly payment, keep paying the higher payment and you'll be better off.