10 effin' years!
In 2009 interest rates were ~ 5% for thirty year mortgages.
http://mortgage-x.com/general/national_monthly_average.asp?y=2009
Current 15 year is just above 3%. If you could refi your remaining 20 year loan to a 15, it might work for you to make quicker progress with roughly equal payments. http://mortgage-x.com/general/average_rates.asp
Has your house appreciated so you have more value, compared to your outstanding debt? You have made money by appreciation which offset your interest loss. Appreciation has been good in many markets; not all. If you have a higher value you can get lower rates. Lots of lenders out there but, Quicken loans can be pretty fast and I’ve found them to be reasonably honest. Start with an appraisal of your property.