<prompt> Human: Hi all -I recently bought a house, and thanks to some help from family, I was able to do so without a mortgage.But since interest rates are so low, I was wondering if I can do some kind of refinancing, and then invest the money conservatively to take advantage of the cheap money and also the tax benefits of mortgage payments.Is something like this possible, and would it be prudent?Thanks!  <response>: I would not do this. No way, no how. A paid off house it priceless. No way you can know that youll for sure beat the interest rate on the mortgage.Instead, figure in whatever monthly mortgage cost you are ok with, and start putting that in a vanguard ETF. This is a better option, and you save all the equity in your house. 