Can't. It's a fixed 30 year mortgage at a 3.375% rate. Refinancing it will increase that by at least a point. Plus, I originally did get the loan through a local credit union, who then sold it to a consolidator who sold it to a big national bank (which happened to be Wells Fargo). Local credit unions generally don't hold onto mortgages. They don't have the economies of scale to service them efficiently.