OK Looking for a 2nd opinion. Quickly I have a 350K home with 200K left to pay 25 more yrs at 5.25% . I want it paid off in 5 years prior to SS. If I re-fi on an ARM I might get 3.5-4% zero points. Lower the interest and make same or larger payments over the next 5 years with balloon to pay at the end. I have the money in 401K that has regular tax load but no penalty to make these payments. I estimated saving aprox 10K per year in interest for 5 years.. Is it a sound plan?