We got an analysis from 2 different companies and savings wise it makes sense.

Certainly there are a lot more hoops to jump through disclosure wise and HR generally frowns on it fin some cases.Brokers at entrepreneurial shops (usually a local company that is privately owned or by a few partners) typically buy deals themselves a lot more.

Equities wise understand expense ratios, tax implications with capital gains, dividends, liquidity, and exposure. 

And the will go over things with you to sort where your at knowledge wise, know what you need to learn, direct you to those FREE resources for gaining that knowledge WHILE they are at work doing the things to make your next deal happen. 

Used wisely, and we have a great life. 

Most are all but clueless what it is, and with that, very wisely, standoffish and scared of such an unknown that relates to hundreds of thousands of dollars.     

Although they fit into the space decoration Wise, they look to me like they would be uncomfortable to sit in for more than a few minutes.

SHF are possible budget-wise if I go farther out, but that move would have a bigger impact on my own quality of life while I'm living in the space.

You just can't access it yet.If you refinance you will get a lower payment but you will be paying more% wise in interest. 

My first recommendation would be to speak with a lender regarding the costs/fees associated with the refinance.Strategy-wise, you're in luck!