refinancing option is more practical? (See details)?

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I want to refinance my mortgage. My credit score: 792An this point, I have not equity in the house. I bought two Jahren.Optionen: 1) 3 five-year mortgage at 5.875% (fixed) Closing Costs: 10,000 My monthly payment: about $ 2,260 2) 5 five-year mortgage at 6.125% (fixed) costs Closing: 10,000 My monthly payment: about $ 2,320 3) 30 five-year mortgage at 5.75% (fixed) costs of closing: My $ 7,500 monthly payment: $ 2500 All monthly payments are in order. Any suggestions with me .********* ?********* What should I pay for attntion refinancing?

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