Howdy Jene (+ Stella)!
take a look at this analysis. I think the refi really looks good over time, provided we are diligent about getting this new money that we're freeing up INVESTED!
there are 2 ways we could approach this - 1. simple rate reduction refinance. this would free up $250/month of new investable money to add to your new plan. 2. cash out refinance that lands on the same(ish) payment - this will net you $60k of new cash to supercharge your investment, and over time the exact same output you've currently got in place will create an additional $100k of net worth (conservatively)!
let me know if you have any questions.