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Refinancing from 6.5 with 13 years remaining
I am currently on the back end of a 30 year FHA loan originating in 1998. I would like to refinance at this point. What would be my best option?

My current loan rate 6.5%
My current balance is 63,420 (as of 06/15/2015)
My current payment is 1,017.
My current credit score is 692(CK).
My current D2C ratio is 64%.
I do not have credit cards and my only payments are mortgage and normal monthly bills.(Mortgage displays as 100% of Debt by Acct Type on Equifax report)
My annual salary is 60K.
I plan to remain in this house and I would also need 10-20K for home improvement.

Since I am 13 years from maturity date on this loan should I consider refinancing at 10% fixed, 5% ARM, HARP or any other option or opinions?

Let me know if anymore information is needed and thanks in advance!

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