Another Fox viewer here! Low information voter alert!
It's not possible to "take advantage of lowered interest rates" by "reducing the time I have left"
Those two things are in opposition to each other.
You can take advantage of lower interest rates and reduce the time you have to pay but one will effect the other. The longer you pay the lower the monthly cost, the shorter you pay the higher.
Kindly tell which Obama policy has made the situation to your advantage? Come on, just tell me one policy that has made it the cheapest in history to finance your mortgage? One policy that has driven borrowing costs to the lowest point in history? Taxes the lowest point in 80 years. Inflation non existent, corporate profits at a historical high.