“I was told, however, that the rule of thumb is get a loan that’s 2 points lower than what you have now, which for you and I would be 3.75%.....?”
I have been told the same thing. But the numbers don’t lie. The only thing that would mess up my plan is if for some unforseen reason, I’d move. But if I stay, and pay it off, I’d save $8k.
Did you take a look at the 15 year rate? You should be able to get that even cheaper - 1/4 or 1/2%.