Thanks everyone
I have enough in savings and mattress money to survive for 2 years. All my major stuff is paid off, just the house that I have or had 200k equity.
I’m going for refi first 15 year below 3% is the goal.
The heloc might not happen as banks are tightening up.
But if I can have that equity to pull out to buy another house l, I want to be ready
