Is there any reason to get a mortgage from Discover
rather than Wells Fargo?
= new reply since forum marked as read
They have done a good job accepting payments and never made a mistake on my method of paying toward principle. Wells Fargo never offered refinance, you have to ask them 
My plan was to always pay toward principle the first 8-10 years, about 20% of the payment total. Then for 5 years pay larger toward the principle and end a 30 yr. at 15 years.
This was the advice of a real estate Lawyer when I first needed a mortgage. Was easy to get a mortgage in those days but lenders intended to make interest profits and perhaps foreclose & make even more off the property.
The advice of that Lawyer was the best money I ever spent. On a new mortgage pay toward the principle every month for about 8-10 years. Those are the years when every payment is almost pure interest profits for the lender and very little of your payment actually goes toward the principle. Ramp up the principle payment in chunks if/when you can afford it. You pay less and less interest as the principle gets lower. The interest paid was a decent tax deduction. The plan worked. My mortgage is over and now my house will probably start to fall apart
My advice would be to check how much the costs would be to refinance and perhaps instead pay that 3 or 4 thousand toward the principle. It may not be worth it to refinance and make a new contract for a slightly lower monthly payment. And perhaps find a real estate attorney for some advice and to review all the paperwork. good luck!