Time to refinance your mortgage? : personalfinance

Just wanting some varying opinions as to whether it’s wise to refinance my mortgage. I bought a home in 2015, and was solicited to refi after one year of the loan. Did so with the same mortgage company. Have a good rate, 3.25% currently, and am making affordable payments on a 30 year fixed rate. Given the new rates available, is it wise to refi again to free up some discretionary income?

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