Depends on your rates. I think rates are actually lower now than they were 4 years ago. You may find that you can refinance to a 7/1 adjustable, giving yourself another 7 years of security, but at a lower rate. IF you go that route, you should run the numbers so that you can pay it off after 25 years, rather than 30. You could also just keep making your current payment under the new rate (assuming that it is lower). Remember that when you refinance, you adjust the interest/principal curve back to the beginning. Additionally, refinancing has a new set of closing costs, which can be up to 3% of your loan's value.
Good luck!
