Refinance my 3.5% at 30y mortgage or not?

[Puja Shah]

Hi all, 

I needed up paying my 2013, 30y fixed 500k mortgage At 3.5% early and now have 160k left on it. Should I refinance the 160k considering the current rates? Or once I add up the closing cost etc- I will have no benefits.

In hindsight I shouldn’t have paid off the mortgage and used it for other investments but it’s done and now I like the idea of my home being out of harms way. So don’t want to pull out money from what I have already paid off.

Thank you for any insights in advance!