Wife and I closed just before Christmas at 2.5% for 20 year term through Guaranteed Rate, who she works for. They had an employee deal where we paid no origination fee and didn't have to do an appraisal.
Makes more sense at these rates not to pay the house off, instead take any extra money and invest it where your money will actually grow.
BS, best thing you'll ever do is to get your house paid for free and clear. Being in debt sucks.
