Mortgage restructure thoughts

I guess the one thing you mentioned that I was a tad concerned about was that you mentioned that money was tight because you were putting into the house. Are you putting a lot of money into retirement or is the house your main investment? If the house is preventing you from effectively saving for retirement, I'd seriously consider selling the house if that's possible. That's just my 2 cents though and I gather you want to keep it.

 

i am 27. I am in a union so I will have a pension and annuity when i retire. not too concerned right now about that.