[ithaca]

I bought my home 4.5 years ago using a 5/1 ARM at 5.1%. I currently owe $117k on the house which is worth $165k-$170k (I bought it for $158k). I would like to add about $10k onto the loan and put that full amount back into the kitchen (refrigerator, range, dishwasher, microwave, counters, floor).

So I'm looking at about a $127k loan. I don't know if I'll be staying in the house 6 more months or 6 more years, but either way I think it would be wise to upgrade the kitchen. What are my best options for refinancing? Any good online lenders with low closing costs? Any advice is appreciated. Thanks!