Because i owe too little. I cant find anyone to refi just 160k at the best rate. Its all 1 point or more because its below a 300k min cutoff.

Not worth their time i guess.

Lesson learned.

Some days just a full payoff seems nice.

Id just prefer to have a cheaper house paid off than be in an expensive one paid off. Not diversified enough.

Maybe i should sell and relocate just for the nice new mortgage.

Downsize the house, the interest rate, invest the difference.

It all makes sense. Except my wife and i dont feel like moving.