<prompt> Human: Other pertinent info:Balloon matures 612020Purchased for 110,000 but has probably increased in value. Current payoff balance: 85,204My credit: 800Monthly payment: 666.49 includes property taxes, 196.51moThe house is in my name only. I will be marrying my fiancé who lives with me next September.Thank you in advance for your advice!  <response>: Refi for 30 and make payments as if its a 15yr. This way you have wiggle room should you ever run into troubles. 