I certainly think you’re right.
I’ve got my house financed for 30 yrs at 3.6% fixed.
I’ll pay it back with Baraqqi/Bernanke minibucks....
Yep. Your fixed mortgage will be quite a comfort for you in the coming years. I am going to refi soon for the third time in 4 years. If you do it, keep their profit very low by limiting the loan to what it is currently. If they want to add a thousand or so but you can cut that rate .5%, go for it.