Refinance snag, the credit union won't refi because I rent out 20 acres for farming. They won't go for 30 yrs but will for 15. They say Freddie Mac won't take the loan but they will for the shorter time. If I was 30 instead of 60 years old it wouldn,t be a question of what to do. The interest for 15 would be 4.25%, I pay 5.625% now. Would it make any sense to take out of 401k to borrow less to the point that my payments could be made to be the same as now?