<prompt> Human: Currently have two 30 yr mortgages on house big loan 3 and smaller loan 4.3. I owe about 255k total on a house worth about 350-375k. I pay about 1300mo in mortgage costs 500 or so to escrow. About 600 of this goes to principal each month.My goal is to be able to have more cash on hand after I sell, but Im bad at saving money if I have the cash in my account. I plan on selling in about 12 months.Does it make any sense to refinance the 2 loans into 1, into a 15 or 10 yr loan 3.3-3.5 with a 1850 or 2500 monthly payment to escrow so that I force myself to pay down the house quicker so Ill have more back at closing when I sell? I figure this way Ill get that cash out when I sell. I can afford the higher payment.Is this completely ridiculous? Should I be simply be more disciplined and put the difference in payments in some other investment for the year? Thanks.  <response>: Probably not a good idea. With additional fees and closing costs, you probably wont come out ahead if you plan to move that soon. 