Hello, I'm a mortgage professional.
You probably have a good amount of equity and rates are still rather low. You may be able to refinance into a 30 year fixed and still keep your payment resonable. If you have other debt you may be able to tap into your equity and pay that off to lower your over all monthly debt as well.
So there are probably some options for you.
I handle mostly NY and can lend nationwide.
I'm avialable almost 24/7.
If you would like to see what I can do for you or have any questions you are welcome to contact me.