You Have a 3% Mortgage. Please Don’t Refinance It.

You Have a 3% Mortgage. Please Don't Refinance It. [caption id="attachment_17710" align="aligncenter" width="1024"] Have a 3% mortgage but need access to your equity? Before refinancing the entire loan, compare a HELOC or second mortgage.[/caption]   Should you refinance a 3% mortgage? If you bought or refinanced when rates...