To Refinance or not?

[Jonathan Aguayo]

Kind of new here just had a question about refinancing. I’m looking into refinancing my home. Currently I have a loan of 145k at 4.85% fixed I have 26 years left. My new loan would be 163k at 2.85% fixed at 15 years. Payment go up a little and my home is worth around 250k. 
We are planning on buying another house at the end of the year and and rent our current home. 
Also the home we buy will be a house hack that we will rent in two years. 
We have lil north of 80k saved up with no bills. 
Is the refinance worth it? 
Also my solar panels will be included in my new mortgage. Panels are about 12k. Also at about 4.85%