i just paid down my mortgage, a lot, but im a little tempted to start over and cashout refi at 2.5 %.

I was quoted 1.5 points on that.

im too scared to act at 2.5% i think but at some point,not sure where; 2% ? 1.8%? id feel like a dope for not taking the money and trying to beat it investing.

if oil can go negative, maybe the 15 y. could head down to close to zero? crazy.