Paying off your mortgage can bring freedom, security, and peace of mind, but is it the smartest financial move right now? From interest rate math to liquidity needs and the emotional side of being debt-free, we walk through the framework to help you make a confident decision that fits your long-term goals.

Refinancing a mortgage can lower interest costs, reduce monthly payments, eliminate private mortgage insurance, or consolidate high-interest debt. This article explores the main reasons to refinance, potential pitfalls, and how to determine if refinancing fits your long-term financial goals.