I considered carefully refinancing my home mortgage recently because of low interest rates. Weighing the closing costs of refinancing I wasn't excited about los

I considered carefully refinancing my home mortgage recently because of low interest rates. Weighing the closing costs of refinancing I wasn't excited about losing the 4k in liquidity for a net savings of 20k over the next 15 years. I would consider the impact of defaulting carefully before taking on a new debt today.