Don’t do it. Wait until rates drop enough and then refinance to a 15 year.
I think it’s a good time to lock in your mortgage. The US may be losing its reserve status and interest rates may jump to get people to buy the debt bonds.
I disagree. I bought my 1st house in 1984 with sky-high rates, by adding $100 to my 1st payment I cut a year off my loan. So if you are at the beginning of your mortgage you might see major benefits in loan length by paying extra.
But to me the best financial security is being debt free.
I disagree, we each have priorities and mine has been wanting to be debt free. I first accomplished that in 2002, life became easy.
However life’s events caused me to buy homes in 2018 and 2020, got great low interest rates on VA loans. But paid off both early and have no regrets.
That is what I did.