Should we cash-out Refinance?

[formercalifornian]

An independent CFP can provide a one-time analysis for a flat-fee. I'm absolutely a do-it-yourself kind of girl, but I think there is a time and a place for limited professional assistance, and this just might be it. There's a lot of money on the line, and what the OP is proposing to do appears very risky, particularly for someone rapidly approaching retirement age.