33,000 at 9% for a 3 year term. You would pay
4,778.08 in interest. Most P2P lending sites charge a flat 1% fee so an extra 330.

33,000 at 6% for a 3 year term. You would pay 3,141.26 in interest.

Your claim is 3,000$ in closing costs. I would look around, maybe even contact your existing mortgage company and see what the fees would be to refinance. A p2p loan is unsecured, so unless you have perfect credit, I see about 11-12%. You mention your a firefighter. I would check with your credit union and other associations. Often these organizations will offer low fee/low interest loans for members. I would be careful in dealing with private investors. Some have been known to commit fraud, such as loosing payments and charging fees etc. Some even will seize your house in some extreme cases.