I have considered it greatly. In fact, if I keep the same payment amount as my previous mortgage, I’ll pay the loan off in 18 years and save $40000 in interest versus having kept my current loan and continuing to make the same payments another 20 or so years. So, to be honest, I’m torn on what to do with the money. I like saving roughly $65K of total interest over the new loan if I pay it off early, but I also like the idea of earning more than a fixed 3.5% on that money which can be tangible now and not in 18 years, if that makes sense. I know saving is the wise thing to do, but do I gamble the money in hopes of earning more than 3.5%, or take the safe conservative play? This is where I struggle.