Here’s a Q for the masses. We are currently on a 30 year Va at 3.375. We are looking at refinancing to a 15 but was told if we refinance to a 30 we can save a ton in fees, but just ask for a 15 year amortization schedule so we don’t have to pay the fees. Should we refi to a 15 or refi to a 30 and pay 15 year payments?