[AJ]

If it's on the townhome only refinance if you can lock in a lower intrest rate. I wouldn't suggest adding anything to the loan to put cash in your pocket for paying bills and other possible needs. You could always talk to the bank for a small home equity loan for that. You can always contact your current lender or you could go into a place that works with your info to find you the best situation.

Just remember you'll proably run into addition fees again for the paperwork.

But if you can get that payment down a significant amount it is probably work it.