Why didn't you refinance in 2020-2022 when interest rates were so much lower? If the prevailing rate is 3%, you're leaving money on the table by sticking with your original mortgage (unless it's almost paid off)
My point was that paying 6.5% on a $300K mortgage was a normal thing just 15 years ago. In fact it did not stop anyone from buying in the run to the great recession (aka "subprime mortgage crisis").
I don't have mortgage now, so no, I am not leaving money on the table.
