You’re so far away from a decent deal, it’s in your best interests to reach out to a broker here. Save the headache. Over the next 3 years, looks like they’d be able to save you $15-$18k
Assume PNW in your name stands for Pacific Northwest. If so, here, his deals will save you $10k-$12k.
You can do better, but you gotta work and do HW. Or the easy route and reach out to this PNW broker.
